If you are looking to cover a range of vehicles owned by the same corporate body, you can do this with a fleet policy. Most corporate entities that do this are business, services or a local government. Occasionally, families with several vehicles may have a private fleet, but these are usually for a small number of vehicles and will be considered the same as a private car policy, so they will not be discussed here.
A fleet insurance policy is a policy that is designed to by as flexible as possible, to meet the driving needs of a business as a whole. This means providing cover for various drivers, various kinds of vehicles and various applications.
For instance: a firm may have engineers driving vans about full of kit or tools and a sales force made up of company cars.
Previous Claims
No claims discount is worked out in a different manner on a fleet policy compared with your private car policy. With so many cars being insured under the one policy, having a claim free year is much less likely than it would be on a single car policy, and if the fleet is big enough, nigh on impossible. Instead, there is the claims history or experience as it is sometimes known, for the whole fleet, and this is what the insurer will look at.
Who can drive on a fleet policy?
As mentioned above, fleet policies are designed to be flexible. Most insurers will offer the following options:
* Named drivers only * Any driver over 30 * Any driver over 25 * Any driver, any age
It is worth noting that the category - any driver, any age - needs a little clarification. The category does not give carte blanche to put any Tom, Dick or Harry onto the policy, and there are usually several caveats. To use a company vehicle on this basis a driver must have a clean licence, a claim free driving history and no disabilities or illnesses that would affect their driving.
Managing a Fleet
Managing a fleet is where the biggest difference occurs between normal commercial vehicle insurance and fleet insurance.
Not all drivers will have clean driving licences or a claim free driving history, and in some of the more severe cases, an employee may choose to try and hide these details, as it could affect their job. However, this is precisely the information an insurer will check in the event of an incident, and they will expect you to have the information available upon request, so it is good practice to copy driving licences on a frequent basis and advise insurers of any changes.
The policy also needs to include vehicles. Under recent legislation, a business vehicle is now considered a place of business, so it comes under Employment Law and Health & Safety. This means a company is now responsible for an employee driving on business. If they become hurt or if they hurt someone else the company may be liable. Thus vehicle safety checks and records of this are required to show an employer has met their duty of care should something untoward happen. This also applies even if the car being used is owned by the employee themselves.
A fleet insurance policy is a policy that is designed to by as flexible as possible, to meet the driving needs of a business as a whole. This means providing cover for various drivers, various kinds of vehicles and various applications.
For instance: a firm may have engineers driving vans about full of kit or tools and a sales force made up of company cars.
Previous Claims
No claims discount is worked out in a different manner on a fleet policy compared with your private car policy. With so many cars being insured under the one policy, having a claim free year is much less likely than it would be on a single car policy, and if the fleet is big enough, nigh on impossible. Instead, there is the claims history or experience as it is sometimes known, for the whole fleet, and this is what the insurer will look at.
Who can drive on a fleet policy?
As mentioned above, fleet policies are designed to be flexible. Most insurers will offer the following options:
* Named drivers only * Any driver over 30 * Any driver over 25 * Any driver, any age
It is worth noting that the category - any driver, any age - needs a little clarification. The category does not give carte blanche to put any Tom, Dick or Harry onto the policy, and there are usually several caveats. To use a company vehicle on this basis a driver must have a clean licence, a claim free driving history and no disabilities or illnesses that would affect their driving.
Managing a Fleet
Managing a fleet is where the biggest difference occurs between normal commercial vehicle insurance and fleet insurance.
Not all drivers will have clean driving licences or a claim free driving history, and in some of the more severe cases, an employee may choose to try and hide these details, as it could affect their job. However, this is precisely the information an insurer will check in the event of an incident, and they will expect you to have the information available upon request, so it is good practice to copy driving licences on a frequent basis and advise insurers of any changes.
The policy also needs to include vehicles. Under recent legislation, a business vehicle is now considered a place of business, so it comes under Employment Law and Health & Safety. This means a company is now responsible for an employee driving on business. If they become hurt or if they hurt someone else the company may be liable. Thus vehicle safety checks and records of this are required to show an employer has met their duty of care should something untoward happen. This also applies even if the car being used is owned by the employee themselves.
About the Author:
M Withers works as Marketing Manager for Coversure Insurance. For help or advice about commercial vehicle insurance, or fleet insurance visit Coversure's site where there is a comprehensive FAQ section.
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