Business Fleet Insurance

Fleet Insurance to manage business risk

Unfortunately, the more vehicles you own within your business fleet, the more risk there is of damage and theft. It is therefore wise to consider the size of your business fleet whilst investigating your coverage options and what will work best for you. For larger fleets it is often sensible to investigate an ‘any vehicle/any driver’ policy to allow for complete flexibility in the long run.

With Bluedrop’s specialist industry knowledge we can advise on the right business fleet insurance options for each individual situation. As independent brokers we search the fleet insurance market for the best policy to suit your needs. We have access to the UK’s top underwriters and can help you find the most suitable tailored policy on the market at the best price.

Whether your fleet is large or small, company or privately owned, as a leading independent insurance broker, you can trust Bluedrop to provide a competitive quotation backed by a comprehensive claims service.

Additional considerations

In addition to the standard considerations there are also a few other things that you’ll need to consider when it comes to fleet insurance for your business. Apart from choosing the right level of cover, you’ll need to consider how many vehicles and drivers you have and what the vehicles are being used for.

There are also a number of other considerations that will affect the cost of your business fleet insurance. For example, are your company vehicles driven by your employees out of work? Do their friends and family drive the vehicle? If so, then this will of course cost you more and you will need to consider adding private usage cover onto the policy. By thinking carefully and placing certain restrictions on who can drive your company vehicles you can reduce your premiums as well as your risk.

Do your employee’s vehicles carry tools and equipment that they use on the job? If they do, then you will need to consider carriage of own goods coverage or specific tool insurance.

Will you want to cover your driver’s goods and possessions inside the vehicle? Most businesses will want to do this and will therefore need to include personal effects cover. However, you will need to read the terms carefully as these personal possessions will probably need to have been left out of sight.

If you carry passengers or goods for hire or reward, you will also need either a specialist taxi fleet insurance or courier insurance policy to ensure you have the correct level of cover. Make sure your insurance broker knows exactly what your business does before seeking a policy to ensure you find one that covers all of your needs.

Reducing your business fleet costs

There are many ways to keep your fleet insurance premiums down, but it is also important to keep your fleet insurance broker up-to-date with any changes in circumstance which will help to ensure you aren’t covered for more than you need.
Speak to one of our advisors or complete our online quote request form for more information.