Fleet Insurance is designed for businesses with more than three vehicles and allows you to have them all insured under one policy. This makes it more manageable and allows you to regularly add or remove vehicles from your policy. Fleet policies can cover a mixed fleet of commercial vehicles including lorries, vans and HGV’s.

Typically if you have between 3-15 vehicles, then a mini-fleet policy would benefit you.

It is essential for your drivers and vehicles to be fully covered in the event of any accident, by having all your vehicles under one policy means, one renewal date and one set of policy documents.

A typical motor fleet policy can include the following:

• Any licenced driver aged over 25 on all vehicles (subject to insurer approval)
• Any licenced driver aged over 17  (subject to insurer approval)
• Flexible monthly instalment plans are available
• Uninsured loss recovery
• New-for-Old vehicle replacement for cars under a year old and goods vehicles under six months old (depending on insurer)
• Medical expenses and personal effects cover’s built in
• 24-hour emergency, claims and legal helpline
• Optional 24 hour UK mainland roadside assistance
• Optional European cover

Having all your vehicles under one policy means one renewal date and one set of policy documents, which can save you both time and money.

A fleet insurance policy can cover you for a variety of different uses including:

• Contractors Fleets
• Mixed vehicle type fleets (including cars, vans and commercial vehicles)
• Couriers
• Hire and Reward
• Private Hire
• Haulage
• Social, Domestic and Pleasure
• Third party or Comprehensive

Vehicles covered on my fleet policy

At plan, we will provide cover for a wide range of vehicles including:

• Cars
• Vans
• Tippers
• Flatbeds
• Curtain-side Trucks
• Tail Lift Trucks
• Articulated Lorries
• Busses
• Coaches
• Agricultural Vehicles
• Special Types such as Forklifts

Having the right insurance in place with correct up to date document templates and guides can help you minimise the risk and liabilities that can take a huge hit on your companies’ profits.

We can now offer our clients personalised Health and Safety documents, Risk Assessments, Method Statements and much more for your business. These additional documents are supplied to you at no extra cost when you take out a policy with Plan.

Our new package now includes business continuity templates that are updated annually which you can use as guidance and to track your business operations. With this, you will also receive regular notifications regarding legislation changes that are relevant to your business.

Calculating the cost of a fleet insurance policy is more complex as it is dependent on various factors such as the area you’re based in, the type of vehicles you have and how well your policy has performed over a number of years.

You will not get a no claims bonus (NCB), however, you will receive a confirmed fleet claims experience report. A good fleet claims experience report will guarantee that you get the best policy premiums much like a NCB.

We would recommend discussing the following options with your commercial insurance account executive:

• Contractors All Risk
• Goods in Transit
• Professional Indemnity
• Tools
• Plant
• Excess Layer Liability
• Property Insurances
• Directors & Officers
• Cyber Liability
• Specialist Schemes and Tailored Packages