Fleet Lamentations

Written By: Timothy Simons Grimshaw on July 10, 2010 No Comment

Something about the nature of insurance seems to make people want to pay as little as possible for it. Cars on the other hand, people seem to be willing to pay through the nose for, but when it comes to insurance, everyone wants the cheapest. The latest way of doing this is by grouping everyone that lives in the same house under a policy called family fleet insurance.

The concept of fleet insurance is all very well for people who have families of careful drivers (yeah, right) but what about those who live with a boy racer? It sounds like some family members could end up paying more for a combined fleet insurance policy.

Fleet insurance was originally intended to work was with 100 or so of the same car all insured by a company for their staff to drive. However in actual fact most fleets are made up of different kinds of vehicles. Minibuses, Lorries, HGVs and even Tractors can wind up insured on the same fleet insurance policy.

If you’re really, really bored on a long journey a cheap (very cheap!) way of amusing yourself is to look at each vehicle that you pass (or passes you) and trying to work out whether they are insured under a fleet insurance policy or not. The good news is that this is a game you can’t lose (unless you’re planning to stop each of them and actually ask whether they are insured with a cheap fleet insurance) but to help make sure you win you might like to consider these tips;

Vehicles displaying a company logo have a good chance of being covered under a fleet insurance policy. Older looking vehicles however are probably not, young (or old) men speeding around in fast cars are definitely not, policemen almost definitely are, butchers, bakers, candlestick makers having fleet insurance, maybe! It’s a good game isn’t it? Or at least it will help pass the time on those long, arduous journeys.

So should you insure your vehicle on with fleet insurance? Well, it sounds obvious but first find out it it’d be cheaper that way, and if it would, go for it! It’s probably best not to ask a Meerkat or an overly large opera singer, the chances are they won’t be able to help you with fleet insurance. It’s best to ask a real live person who specialises in insurance to advise you on the best policy to suit your unique requirements.

If you think the right way forward for you is with fleet insurance then you should pay Coversure a visit. They are specialist insurance brokers with great relationships with some of the country’s top insurance providers so they can secure you great deals on anything from fleet insurance to motorhome insurance.