What Is Fleet Van Insurance?
Van fleet insurance is designed to cover multiple vans under 1 policy as opposed to having multiple vehicle policies. A fleet policy combines all aspects of risk into one single policy often saving you money in the process.
It can be designed to cover all types of trade as well. Whether you are a builder with a variety of van or a courier needing to cover a selection of vehicles, then fleet van insurance is right for you!
Frequently Asked Van Fleet Questions
It is common to have a variety of questions when looking for or considering fleet insurance. Below we have answered a few of the main ones.
Fleet policies often work the same way as “bulk-buys” from shops – they offer cheaper prices based on the amount of vehicles in your possession. For this reason, looking to insure your van fleet under one single policy can also help save you a significant amount of money.
Most commonly, couriers, contractors, builders and alike are the most common people to require a van fleet policy but a fleet policy is available to anyone.
Yes, it is perfectly possible to insure any driver to drive any van within your fleet. It is however typically better though to opt for a named driver policy where all drivers are over 25 as this will generally mean a better chance of getting s cheap van fleet policy.
Van fleet policies are completely tailorable and can include other types of vehicle if required. Everyone fleet is different as is every fleets use so it is important that insurance covers are flexible and can be adapted to your individual needs.
As well as a multitude of optional extras, our insurance brokers will make sure the policy you have is tailored to suit your needs at the lowest possible prices.
The price of your policy will be determined by your risk profile which is derived from the size of your fleet, the use of the fleet and your claims history.
If you maintain a good claims history and operate a named driver fleet only where the drivers are over the age of 25 with few to no convictions then your chance of finding a cheap van fleet insurance increases.
You can also consider putting a black box in your vehicles. This accurately monitors your drivers and their driving style enabling you to highlight bad driving habits and correct where possible. This will better improve the integrity of your fleet. Black boxes often track the vehicle as well providing you an extra layer of protection against theft.
We make sure that you get the most competitive policy prices on the marketplace whilst maintaining essential cover options that your business needs in order to prosper.
What Levels of Cover are there for my Vans?
As with private car insurance, fleet van polices are also available in three base policy types:
Third Party Only
This type of policy covers any liability that you might incur to others. It will not cover your drivers or your vehicles though. It is the most basic level of cover and not recommended.
Third Party Fire and Theft
TPFT policies cover the same as the above BUT also include cover against the vehicle being stolen or set on fire. This type of policy will still only cover the third party though in the event of a fault claim.
A fully Comprehensive policy is the highest level of insurance available for a fleet of vans, and includes all of the aforementioned levels of protections, plus coverage for any damage or injury sustained by yourself. Whilst this is typically the most expensive policy type, it will ensure that your business has nothing to worry about, and is prepared for any unpredicted accidents, or incidents that may occur to you, your workforce or your vehicles.
Why use us?
We work with specialist fleet insurance brokers who are authorised regulated by the financial conduct authority. Their panel of insurers are some of the most competitive in the market and will do their best to ensure you get the best price possible.
Our vetting process has been refined for a multitude of years in order to cut all of the hassle out of the renewal process – you will no longer have to spend all day comparing brokers’ policies and prices to find the right policy for you, we put in all the hard work for you.
You can read more on comparing cheap fleet insurance on our fleet page.