Fleet insurance allows you to cover multiple cars, bikes and vans under the same policy and make a big saving when you do. For every extra vehicle you insure, you save money because it is like buying insurance in bulk. At Be Wiser, we can place your vehicles on industry-leading schemes from a range of top insurers. You can receive quality cover at the most cost effective prices, whilst maintaining a single point of contact for your entire fleet.
Customers are able to save money by insuring numerous vehicles under one policy. The more vehicles you insure, the cost of insuring each vehicle decreases. For companies, it is important to save as much money as possible as this has an impact on the bottom line.
One of the biggest advantages is that having all your vehicles under one policy reduces the amount of administration for the business. No need to worry about lots of paperwork from different insurers, several renewal dates and repayments – having everything under one policy means that you can renew once a year and pay into one account.
In addition, you can set up your policy for any driver in your company to use them. This is very useful for the likes of taxi companies, couriers and deliveries where the drivers might use different vehicles every day. Also, if someone is sick or their vehicle has broken down, they can simply use another vehicle on the policy. This allows for more flexibility in the business and better productivity.
Our policies are carefully designed to handle the needs of busy and fast growing businesses. This includes being able to drive your commercial vehicles in Europe, carry up to 3.5 tonnes and no upper age limits for drivers.
The following cover can all be put under the same policy so there is no need to worry about opening new accounts each time you want to add something:Cover Available:
Liability: Your liability insurance will make sure that you will be covered financially in the event of a law suit or compensation claim. If you have several vehicles on the road on a daily basis, there is always the risk of being liable for an accident and having the right level of cover means that you will not suffer financially.
Public liability insurance is necessary for any legal battles against members of the public. For instance, a van driver could damage a piece of public or private property during a journey or perhaps one of your taxi driver is involved in an accident with another car, passenger or pedestrian. The victim is able to take legal action against you but having public liability means that you will be able to pay up to £10 million worth of damages in compensation, loss of income and medical expenses. Plus, you will have legal assistance to pay for any legal fees you incur.
It is mandatory to add employers liability insurance to your policy as this protects any of your staff that face physical or mental damage as a result of your business activity. For instance, if a driver suffers an injury in a road accident or suffers chronic health issues due to long haul driving, your cover will be able to provide the employee with compensation to improve their health and support their income.
Contents: For companies that transport goods, it is essential to have contents insurance to protect items from being damaged, vandalised, lost or stolen. The last thing you want is to make a delivery and find that half of the goods are broken – leading to an unhappy customer and not getting paid. But having contents cover in place means that any stock can be repaired or replaced and you can be reimbursed by your insurer. Simple.
Accidents: With lots of drivers and vans on the road, there is always going to be a risk of being involved in a road accident especially if you drive during busy times of the day, in poor weather conditions or unfamiliar roads. We offer accidental damage cover so that you can claim for any necessary damages to your vehicle instead of paying huge amounts out of your own pocket for any repairs or replacements. Our aim is to get you and your vehicles covered at the most affordable cost so that you can be on the road and back to doing what you do best.
To save money on your premium, it is advised to increase the safety features on all the cars, bikes, taxis and vans in your fleet. Adding locks, alarms, immobilisers and keeping your vehicles in a garage overnight will reduce the risk of theft, vandalism and any stock being taken. By showing the safety features to your insurer, you will be considered less risk and the price of your overall premium will fall.
To further reduce the cost your fleet insurance, you can restrict the number of drivers that are inexperienced or below the age of 25. Older and more experienced drivers are considered a lower risk of making a claim so the cost of your policy is less to reflect this. If you own vans, you can get your drivers to do the SAFED Van Driving Course which is acknowledged by insurers and you will be able charged less as a result.
Our experienced and friendly advisors are on hand to take the hassle out of finding great insurance cover, so why not give us a call now for a no-obligation quote? Simply call 0333 999 0802 to get a free quotation today for the following: