• Business Fleet Insurance
  • Business Insurance : Motor Fleet Insurance : Business Fleet Insurance

  • Business Fleet Insurance

    Business fleet insurance aims to keep your business on the road by providing cover to multiple business vehicles and drivers in one easy-to-manage policy.

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    What does fleet insurance cover? 

    Business fleet insurance offers you the convenience of insuring a combination of different vehicles your business uses (such as cars, vans, trucks, and lorries) all on the same policy.

    But that’s not all. It also gives you the ability to insure multiple drivers who interchangeably drive your vehicles too - perfect if your operation is made up of a variety of different vehicle types and drivers of different ages, experience levels, and abilities. 

    If your business uses a travelling sales team or you work in the courier, short-haul logistics, or construction industry, business fleet insurance is definitely something you should consider. 

    Fleet insurance cover with Bluedrop is available from just two or more vehicles and allows you to condense multiple insurance policies into one that covers every vehicle and driver employed or contracted by your business.

    • Our business fleet insurance includes...

    • Features and benefits:

      • Any geographical area
      • Any occupation.
      • Any use
      • We can offer a true any driver policy, including young drivers
      • Ability to convert from bonus rated to fleet rated
      • Mix of vehicles i.e. vans, cars & trucks on the same policy
      • Replacement vehicle cover following a non-fault accident
    • As insurance specialists we offer:

      • Fast & efficient documentation issuing
      • Fast turnaround quotation process
      • Flexible payment terms
      • Fleet management advice
      • 24hr claims service

      Additional cover options are available on request.

          • Business-fleet-insurance

            What are the benefits of business fleet insurance?

            Taking out business fleet insurance with Bluedrop offers so many benefits. You can choose between the standard everyday fleet insurance options of being insured either with comprehensive, third party only, or third-party fire and theft cover - whatever suits you best.

            On top of the different levels of cover you can choose from, Bluedrop business fleet insurance also insures your vehicles and drivers for:

            • Any geographical area
            • Any occupation
            • And any use

            Unlike some providers, our business fleet insurance offers a true ‘any driver’ policy, including young drivers. 

            We also include the ability to convert from bonus rated to fleet rated, replacement vehicle cover following a non-fault accident, and insurance for a mix of vehicle (i.e. vans, cars & trucks) - all on the same policy. 

            This means that instead of having multiple policies with different terms, cover-levels, and renewal dates, you’ll only ever have just one all-encompassing policy that offers your business fleet all the protection it needs. 

            Together with all of the above, we also offer additional cover options on request so you can personalise your policy even further, building in things such as breakdown cover, haulage insurance, goods in transit cover, or employer’s liability insurance. 

            What types of vehicle can go on fleet insurance cover?

            The beauty of insuring your business vehicles via fleet insurance is that you can insure multiple vehicles, of different types and ages, all on one policy. 

            This saves you the time, hassle, and expense of having to source individual motor insurance quotes for every vehicle and driver in your fleet, or having to insure different vehicle types separately - for example taking out a van insurance policy. 

            Plus, not all your vehicles have to be the same make or model. 

            Business fleet insurance doesn’t discriminate by vehicle type nor force you to insure different categories of vehicles on different policies. In fact, with fleet insurance for business you can insure all manner of different vehicles together. 

            So, no matter if your fleet is made up of motorbikes, cars, HGVs, minibuses, or vans, they’ll all qualify for cover on the same policy. This is ideal, say, if you’re a house removals company and you use a combination of small vans and large box Lutons. Or, if you’re a fast food outlet with both motorbikes and cars delivering orders to customers. 

            On the flip side, if your business only owns one type of vehicle that’s ok too. You don’t have to have a variety of different modes of transportation in your operation to qualify for fleet vehicle insurance cover. So long as you have at least three business vehicles your company owns you’re eligible for cover, even if those vehicles are of the exact same make. 

            Business fleet insurance ‘any driver’ policy. Can anyone drive on fleet insurance?

            It depends. With ‘any driver’ insurance you have the option to either take out a policy that literally allows anyone working for your business to drive any of your vehicles, or you can elect to name select drivers on the policy. 

            If you only have a handful of employees, choosing to name your drivers may be the more optimal solution. Each driver can be screened and their respective insurance/driving histories taken into consideration when calculating your premiums.

            If you have a high staff turnover at your business or you employ a large number of drivers, it can make more sense to opt for the general ‘any driver’ option. However, this is likely to increase your premium as there is more of a risk element involved to the insurer. 

            Does fleet insurance cover personal use? 

            This will depend on the level of cover you opt for. 

            As standard, business fleet insurance only covers journeys made for business purposes, and doesn’t include personal use such as your drivers commuting to or from work. 

            If personal use of business vehicles is something that you’d like to include, your Bluedrop insurance broker can quote you for this additional layer of cover. 

            How much does business fleet insurance cost?

            The cost of business fleet insurance is influenced by a number of factors. These include:

            • The size of your fleet. You will pay more overall for your fleet insurance coverage if you add more vehicles (although you may pay less per vehicle if you insure a large quantity).

            • The types of vehicles you own. Lorries, for example, are more expensive to insure since your insurer must pay more to cover their market value. If you only own a particular type of vehicle, it may be worth exploring insurance specific to that vehicle type, for example: van fleet insurance. 

            • How often you use those vehicles. A collision is more likely to occur the longer your drivers are on the road. Business fleet insurance premiums can be increased as a result.

            • Prior claims. It may help you get a cheaper quote if your business hasn't made any claims in recent years.

            Bluedrop’s top tips to cut business fleet insurance costs:

            • Some business fleet insurers offer discounts if dashboard cameras are installed in your vehicles, as this promotes safer driving.

            • Green vehicles are more environmentally friendly and can sometimes cost less to insure. The engines on electric and hybrid vehicles typically produce less power than regular vehicles, so it's considered safer by insurers to drive them.

            • Those with a clean driving record over the age of 25 are able to obtain the cheapest car insurance rates, as they represent a lower risk than those under 25 or those with previous claims on their record.

            • Keep your fleet safely stored at night in a secure location, like a garage or a car park under CCTV surveillance, to lower the risk of theft and possibly receive a lower insurance quote.

            • It is important to maintain your vehicles on a regular basis. A well-maintained fleet is less likely to experience breakdowns. Get a cheaper quote by showing your insurer evidence of regular checks of your tyre pressure, engine, brake pads, oil levels, etc.

            Get in touch

            If you have more than one vehicle in your business, business fleet insurance is the way to go. Request a quote from our insurance specialists to find out more.

            We understand that being a business owner is no simple feat. You’ve got enough to think about without having to worry about your business fleet insurance. That's why we're here for you. We'll make sure you have the cover you need and that everything's in its place when you need it, so you can stay focused on what really matters: running your business.

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