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How to save money on your fleet insurance

Those that own a fleet of vehicles can already save quite a lot of money on their vehicle insurance by purchasing ‘fleet insurance.’ Insurers are happy to offer reduced premiums if you are putting several vehicles under the same policy because they welcome the business and reduced paperwork.

However, there are several other smart techniques that can help you save money when insuring your fleet. After all, a premium is assessed on the potential risks of the driver making a claim – so any way you can reduce the risk of an accident, fire, flood or theft can lead to the insurer giving you a discounted price. Here are our top money-saving tips below:

1.Use a Comparison Website

You are already on the right track by using a broker or comparison website like ours. We have partnered up with Be Wiser who are an award-winning insurance broker. By using a comparison site, you get the privilege of lots of different rates and deals in one place, rather than going directly to the insurer and being limited to their products and pricing. Plus, you don’t have to go to each insurance company one-by-one to get a quote. Using a comparison site, you can get the cover to suit your needs and at the best price too. You can also gain access to introductory offers and bonuses too and free cover such as legal expenses and gadget cover.

2. Pay Annually, Not Monthly

Most insurers will charge you around 10% to 20% more for your insurance if you choose to pay monthly. Obviously, this can be more convenient as a way of managing cashflow but for the insurer it comes with more administration and they charge extra for this benefit. So when it comes to setting up your policy, choose to pay annually in one lump sum instead.

3.Pay More Voluntary Excess

Your excess is the amount of money you pay in order to release a claim on your insurance policy. This is usually a few hundreds pounds. So if you want to make a claim, you will need to pay a combination of your compulsory excess (around £200) which is set by your insurer and a voluntary excess where you can choose how much you wish to pay.

By choosing to pay a higher voluntary excess, it is a way of saying to the insurer that you are willing to fit more of the bill if you ever need to claim. As a way of saying thank you, they will lower your premium. This is one of the most common methods for lowering the cost of your insurance. As a business owner, you can request that some of your drivers to pay for their own voluntary excess as a way of saving money and it is also a way of saying ‘put your money where your mouth is’ – because if they believe that they are a safe driver and won’t crash, they should be willing to pay a higher voluntary excess short-term.

4.Increase Your Security Features

A big saving can be made on your insurance premium if you have security measures installed or around your vehicle. It is not only protecting the bikes, cars and vans you have but also the potentially valuable goods that you have inside, whether it is tools, equipment or precious cargo that you are carrying for other people.

Adding any additional security measures to your vehicles would be welcomed by your insurance provider that we put you in touch with. This is because it will prevent your vehicle from being stolen or make it easier to find in the event of theft. So if the vehicle and perpetrator can be found, it will reduce the need to make a claim and saving everyone money. Here are the most effective security measures to lower insurance:

  • Immobiliser: This can be installed to your vehicle and it stops the engine from starting unless the correct key is used. This avoids your car being stolen due to hot-wiring or similar. This only costs around £85 for a basic car.
  • Tracker: Using GPS, this can locate a vehicle if stolen and the information is automatically sent to the police too. The location of the tracker is usually in the front bonnet but very hard to detect and those with trackers will probably not realise that they have them.
  • Garage: One of the simplest things to secure your fleet is simply keeping them in a locked garage overnight. It could therefore be better to keep all your vehicles in a garage rather than letting staff members keep them overnight – so you have to weight this up. This significantly reduces the risk of theft and if you can relay back to the insurer how they are kept and secured, you can receive a nice discount.
  • CCTV: Adding cameras to your vans or the garages were you store them can act as a deterrent to potential thieves and vandals. In the event of a claim, you can prove to the insurer that something has been stolen and perhaps identity the thieves and retrieve any losses.

5.Add More Experienced Drivers To The Policy

Adding drivers with more experience on the road naturally adds more credibility to your policy and gives the insurer confidence that there will be less chance of an accident and claim being made. Since young drivers notoriously bring up the cost of insurance, you want more drivers on the policy aged 40 to 55. If there are young drivers responsible for a van or car you own, add an experienced driver with them and make them share the driving as this information will allow the insurer to give you a lower premium.

6. Extra Driving Courses For Drivers

For any drivers on your fleet and young drivers specifically, any additional driving courses will be encouraged by insurers. With courses at around £200 per person, applicants learn several vital skills that will reduce future accidents and improve their quality as drivers. This includes:

  • Driving in bad weather
  • Van manoeuvres
  • Handing with loads
  • Advanced mirror use
  • Space awareness

7. Telematics

This technology has proven very successful over the years as a way of saving money on insurance. It starts with adding a telematics box which is a little black box the size of an iPhone and attaching this to the dashboard of your car, just under your glove compartment. Using GPS, it monitors the distance you travel but also the quality of your driving such as braking, accelerating, speed and turning. The idea is that the data is collected and made available to you and your insurer and if it shows that you have been driving safely, the insurer feels more confident in your driving ability and can reward you with a cheaper policy or refund.

Since it also tracks mileage, you could save money on that alone. Your initial premiums are based heavily on the amount of miles you are going to drive but if the telematics box shows that you actually did a lot less than predicted, you can receive a discount. Be aware that it can work the other way so if you drive more than expected and it turns out that your drivers are more dangerous drivers too, you could be charged more.

8. No Claims Bonus

If you can avoid making a claim for several years, your insurer will give you a hefty discount and this will increase year-after-year. This is the insurance company’s way of rewarding you and saying thank you for being a safer driver. This is a huge incentive because after around 5 years, you can receive a discount on your insurance for as much as 65% to 85%, depending on the insurer. There are also some insurers that we work with that offer ‘introductory no claims bonuses’ so even if it is your first year being insured by them, they can still give you a discount based on a good track record. There is also accelerated bonuses where you can achieve a one year discount after just 9 months of claim-free driving.

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9. Avoid Young Drivers

Those classed as ‘young drivers’ aged under 25 years are notoriously more expensive to insure because statistically they are more likely to have an accident. The RAC reported that 18.2% of accidents involve drivers aged 17 to 19, despite making 1.5% of drivers on the road. So if you are using your vehicles for business purposes, which is common for a fleet, you can try restricting the usage for young drivers or encourage them to use their own vehicles and offer other benefits like petrol allowances.

10. Avoid Making Claims

This might seem like an obvious one, but as soon as you make a claim on your vehicle, your insurance skyrockets and you may lose your no claims bonus. However, there are some insurers who allow you to make one or two claims a year and still keep your no claims discount in tact.

There are ways to avoid making claims and the obvious way is being a safer trip and avoiding busy roads and rush-hour traffic. If there are small dings, dents and repairs that need to be made, it could be worth paying for these out of your own pocket, even if they cost a few hundred pounds, because if you claimed for them, it would be even more expensive to pay the excess and then future higher insurance premiums.

 

Can I Make Changes To My Policy?

Yes, you can make changes to your fleet insurance policy at any point. The process is very easy and requires only a few minutes over the phone. To make changes to your policy today, simply call one of our friendly advisors on 0800 231 5129 or send us an email and be sure to quote your reference number if you have it available.

What Changes Can I Make To My Policy?

It is common to make changes to your policy for the following reasons:

  • New vehicles
  • New payment details
  • Additional drivers
  • Car, Van or Bike modifications
  • Changing your name
  • New home or work address
  • Classes of Use (social, domestic or work)
  • Increase/decrease level of cover
  • Increase/decrease level of excess cover

What Information Do I Need To Make Changes To My Policy

Please make sure that you have your policy number available when speaking to us about changing your policy. The main policyholder is the only one that can make changes to their account unless they give permission for someone else to do so i.e parent or spouse. This is to be compliant with the Data Protection Act 1998.

It is for this reason that the only available method to make changes to your policy is by confirmation over the phone. If you prefer, you can request a call back and one our team members will get in touch with you as soon as possible

How Long Does It Take For Changes To Go Through? 

Changes made to your policy can be processed and made active immediately after speaking to you. The only exception is if the insurer needs the case to be referred, meaning the details are sent to our technical team and they will contact your insurer directly to confirm the changes.

If you are making changes to a direct debit payment date, this may require a few days to process depending on your payment date. We therefore recommend calling us at least 7 days before a payment is due to avoid any confusion.

What Changes Can Increase The Cost Of My Premium? 

There are various changes that could cause your premium to increase and these include:

Upgrading your vehicle – purchasing a vehicle with a higher group rating may cause your premium to increase. Higher rated cars and vans tend to have bigger engines, higher specs and are more costly to repair and replace, hence they are more to insure. For example, upgrading a basic mini-van to a heavy goods vehicle comes with greater risks because they are larger and harder to steer – so you premium would be higher to account for this.

van-modifications

Modifications  – if you have added modifications to your vehicles including engine tuning, automatic doors, paint jobs, interior changes, this may raise the cost of your premium as your vehicle is now worth more and will therefore be more costly to repair or replace. The only modifications that would not illicit a higher premium including adding things like security features such as CCTV cameras or immobilisers as this could help you track down thieves or assess a claim more accurately. Furthermore, if you are adding disability access for a specific driver in family or company, your insurer may not consider charging you more for this.

Upgrading your cover – if you have third party only cover and are looking to upgrade to fully comprehensive cover, this will increase the cost of your insurance. It is common to get more cover if you are doing a lot of mileage and having a fully comprehensive policy will allow you to make claims for any damages and repairs to your vehicle in the event of accidents, fire, flood and theft. By comparison, if you are doing less mileage, you can always decide to downgrade your cover and this will cost you less.

Your address – if your business has moved to a different area with increased crime rates, busy roads, hazards or adverse weather conditions, this may increase the cost of your insurance as there is a greater risk of being involved in an accident or making a claim.

Classes of Use – this refers to the purpose of your fleet insurance. It is likely that you use your policy for business purposes, whether it is doing couriering or taxi jobs. However, if you decide to do long haul driving too, this could bring about different risks so you need to update your information with the insurer. Failing to update your insurance provider accordingly may cause future claims for those jobs to be void.

Additional drivers – it is common to put additional drivers or named drivers on your fleet policy for new or extra employees. However, adding a number of young drivers to your insurance policy may increase the cost of your premium as your car may be at a greater risk on the roads, but adding more experienced drivers in their 40s and 50s may give you a very competitive rate.

delivery-driver

If the changes you make to your policy result in an additional cost, we can either accept a full card payment or spread the additional costs over the customer’s remaining instalments. The policyholder will require at least 3 instalments remaining to use this facility.

Getting A Policy To Suit Your Needs 

At Fleets Insurance, we are committed to making sure that you have a policy to suit your needs. So for whatever changes you wish to make to your policy we will ensure that the costs are limited and the process is as smooth as possible.

fleet-insurance-logo

By speaking on the phone, we can find out exactly what you want and find the best policy and terms to suit your requirements. Who knows – you could require a whole new policy altogether. We can certainly help make suggestions that are in your best interests. We have partnered with one of the leading insurance brokers in the country and have experience making amendments to all different types of policies. You are welcome to call us anytime on 0800 231 5129 to speak to one of our advisors.

 

How Can I Make A Claim?

To make a claim with Fleets Insurance, simply call our team today on 0800 231 5129 and one of our advisors will ask a few basic questions about the incident to process your claim.

If you are reporting a loss of personal items or an accident to your vehicle, you may be required to show evidence of this through pictures on a camera, smart phone or through CCTV. (Source: Citizen’s Advice Bureau)

Once we have your details, the information will be passed onto our claims partner, Crusader. If the claim is the fault of the policyholder or due to vandalism, their claim will be passed through to the customer’s insurer’s claims service.

In the event of a non-fault accident, Crusader will try not to claim from the policyholder’s insurer but rather the third party’s insurance of the driver who is at fault.

If you are claiming about a loss, the policyholder can contact the claims department of their insurer. The claim’s number and procedure will be provided in the policy documents that we would have sent to the customer upon taking out the policy.

What is a Claim? 

By paying for fleet insurance every year through our website, if you are involved in a road accident or something is stolen from your vehicle, you can make a claim to your insurer who can help pay towards any damages, repairs or replacements.

If you are involved in a car accident, the potential costs can run in the thousands of pounds to pay for repairs, legal fees, medical fees and potential loss of income. So by having insurance in place, other than being a legal requirement, you are able to pay every month or every year for cover and then receive help from your insurer to cover any damages.

You must make your insurance provider aware if you have been involved in an accident because failing to do so could lead to you being refused cover in the future. If you are regularly involved in accidents, the insurers will need to amend your policy, so having this information is very important. Most insurers set a time limit for how long you can make a claim for so the sooner you can contact your insurer, the better. You cannot claim on something that happened several months or years ago, so it is essential to process the claim as soon as you can.

Examples of vehicle insurance claims include:

  • Fender Benders: A minor collision between two drivers that can cause physical damages to the vehicles and personal injury.
  • Major Collisions: Involves a large motor accident with two or more vehicles and can lead to huge damages to the vehicles and potentially needing a complete replacement, known as a ‘write off.’
  • Windscreen: It is common for windscreens to get cracks due to cold weather, falling rocks or debris. A common one in the winter months is when drivers put boiling hot water on their windscreen to remove ice but this can lead to cracks. This may require fixing or completely replacing.
  • Theft/Vandalism: You can make a claim to your insurer for your vehicle being stolen or vandalised and ask for a replacement to be provided.
  • Loss: You can report your personal belongings being stolen out of your car such as your mobile phone or laptop. You can also claim for any goods that you are transporting on behalf of your customers, known as hire and reward.
  • Fire and Flooding: You can claim for fire or flooding to your vehicle provided that you have the appropriate level of cover available. This includes other perils such as strong winds, landslides and a tree falling on your vehicle.

How Much Can You Claim For? 

The amount you are allowed to claim for will depend on the level of cover you have purchased when you applied for fleet insurance. There are different levels of cover that come with different prices.

The most basic level of cover is ‘third party only’ which means that your insurance claims can pay towards any damages that you imposed on other vehicles or pedestrians but this will not provide any cover for repairs to your own vehicle.

The next level is ‘third party, fire and theft’ which provides the same level of third party cover but also allows you to claim for any fires and if your car is stolen.

The most cover you can get is ‘fully comprehensive’ which allows you to claim for third parties, fire, floods, theft and also any damages to your own vehicle and physical state.

There will be some things that you are unable to claim for, unless you have the cover available. By taking out a policy through Fleets Insurance, you are automatically provided with free legal cover so this can pay for any legal battles that you face provided that you are not at fault.

How Does Excess Cover Work? 

When setting up your insurance policy, you will be required to have a level of excess cover. This ‘excess cover’ is the sum of money you are required to pay towards a claim if you are involved in an accident. Usually consisting of a few hundred pounds, you do not need to pay it up front, but only when you are making a claim.

The excess is a way of sharing the balance between you and the insurance company. So if your vehicle is involved in a road accident, the driver must pay the amount of the excess before the garage will release the vehicle and the insurance company will cover the outstanding balance.

Excess Example:

Your policy has a £200 excess

There is £1,000 worth of damage to your vehicle

You pay the garage £200 to make the repairs

Your insurance company will pay the outstanding £800.

How Will A Claim Affect My No Claims Bonus? 

Some motorists will resist making a claim because it can negatively impact their no claims bonus. This refers to the discount of up to 80% on their motor insurance if they drive for a minimum of 5 years without making a claim. So if you make a claim, there is the risk that your insurer will no longer honour your no claims bonus.

However, it is hard to prevent making a claim for so many years, especially when we spend a lot of time on the road. Fortunately, we work with insurance companies that may allow you to make up to two claims a year or they may slightly reduce your discount. Furthermore, if you are involved in an accident and can prove it was not your fault, it will not affect your no claims bonus at all.

For minor scratches or dings, it is worth paying for these out of your own pocket and avoid having to make a claim. But for a potential case that could cost thousands of pounds, it would be sensible to try claim this from your insurer.

How Can My Claim Get Rejected? 

Around 5% of all car insurance gets rejected in the UK and here are the most common reasons:

  • An ‘at fault claim’ means that you cannot claim from any other driver or person involved in the accident and you bear the responsibility. For instance, if you were involved in an accident due to drinking or reckless driving, you would not be able to claim for any repairs to your vehicle.
  • Claims for non-disclosure are likely to be rejected because you didn’t make your insurer aware of relevant information. For example, if you have modifications to your vehicle such as new alloys or spoilers and these are damaged, it is important that you mentioned to your insurer that you had these or you will not be able to claim for any repairs to them.
  • Fronting is where you use another driver’s name as the main driver to reduce the cost of insurance. This is typical for cars that belong to young drivers but use their parent’s name as the main driver. This is illegal and insurers will not approve claims for fronting.
  • Driving illegally – If you drive without a valid license or MOT, you are therefore not legal to drive on the roads and the insurance companies will not value your claims in this instance.
  • Leaving valuables in your car will encourage theft so if you mention to your insurer that you left your mobile phone and laptop in your vehicle overnight and it was stolen, they may not honour your claim. Similarly, if you leave your car unlocked or a window open overnight, this may void your policy. 
  • Classes of Use – This refers to the purpose of your insurance which you state to your insurer. If you state you only use your vehicle for social and domestic purposes but you are involved in an accident on a long commute to work, your claim may not be eligible.

How Can I Challenge My Claims? 

If your claims are rejected and you think the outcome is unfair, you can challenge them in the following ways.

Money Advice Service recommends that you double-check the details of the incident that you provided. You can also check your documents and the terms and conditions of your policy. If there is anything ambiguous or not clear, this is something that you should raise with your insurer who might change their decision.

In addition, you can contact the Financial Ombudsman Service who will investigate your claim and the insurance company further. Appropriate steps may be taken to help your claim or you may receive compensation if successful.

For any claims, our team of experienced advisors at Fleets Insurance are happy to help. Simply call us today on 0800 231 5129 and we will be happy to answer any questions about your claim.

Renewing Your Policy

When your policy comes up for renewal at the end of the year, we will take your existing plan and see if we can get you a better deal.

Our partner company, Be Wiser, has a great track record when it comes to renewing policies. In fact, over the last 12 months, they have been able to save almost £150 off the average customer’s policy when they renew – and this is why over 70% of customers decide to stay with them.

If you would like to renew right now, you can speak to one of our advisors on 0800 231 5129 and they will gladly assist you with the options and potential savings.

How We Contact You About Renewing Your Policy  

We will not renew your account without your permission, as there could be changes to your details from the last year and also the opportunity to take advantage of a great saving. You will be contacted in the following ways: 

  • Customers are able to renewal their policies 30 days before their renewal date.
  • We call our customers 21, 14 & 7 days before the renewal date.
  • We send a follow up text message to our customers 18, 11 and 4 days before the renewal date.
  • All clients receive a letter outlining our renewal process and are asked to check their statement of fact from last year and to call us if any of the information is incorrect.
  • A further letter is followed to include the price from the existing insurer.

How Does Payment Work When Renewing My Policy? 

If the original policy was paid using direct debit, it will automatically be renewed 10 days prior to the renewal date, unless we are instructed otherwise.

We make sure that customers are always insured during the renewal process and will not be driving on the road without insurance because this is illegal and can lead to prosecution and fines.

At Fleets Insurance, we aim to make the renewal process as simple as possible. We can update your details and get you a better rate either with your existing or new provider. We are passionate about helping our customers save time and money and it is much easier than having to start fresh with a new company.

Get A Better Premium When You Renew 

There are several things that can change during the course of a year such as number of vehicles, claims history and mileage. So rather than automatically renew your policy, we like to look at these factors to see if we can lower the cost of your insurance. The things we consider when renewing your insurance include:

The Rates Offered By Insurers  

We check if the rate you are getting from your insurer is the most competitive available. Insurance companies are always changing their rates and sometimes new discounts and offers emerge – so if there is a better premium available, we want to make sure that you can get it.

So whether this involves changing your plan with your current insurer or switching to another provider, we make the process as easy as possible by handling all the administration and allowing you to get the same level of cover, but at a better price.

Using Your No Claims Bonus 

By driving claim free for a number of years, you are eligible for a huge discount on your insurance premiums, also known as a no claims bonus. This indicates to the insurer that you show less risk by not having to make a claim and also suggests that for any minor dents and scratches, you are willing to pay out of your own pocket instead of getting your insurer involved.

A no claims discount increases year-upon-year when you go without making a claim. So after the first year, this could be a 10% saving, after the second year, a 30% saving and so on, until it reaches as much as 80% after 5 years. However, we are fortunate that some of the insurance companies we work with are able to give you the full saving after just one or two years.

Changing Your Address 

If you have moved address in the last year or the routes that you drive, this may impact your insurance premium and allow you to get a better rate when you renew. Insurance providers take the company’s address into account because those areas with worse weather conditions; bad roads and high crime rates tend to lead to more claims.

So if your business has moved to an area which is safer and has better road conditions, you are considered less risk and this may cause your premium to fall when it is up for renewal.

Less Mileage 

Your car insurance premiums are based heavily on your annual mileage. The rule is that the more mileage you do, the more at risk you are of making a claim. However, before renewing your insurance, we can assess how much mileage you have done over the last year, either by keeping a record or if you have been using a telematics box to track your mileage. If we can discover that you were doing less mileage this year than we have estimated, this means that you may be eligible for a refund and a lower price moving forward.

Arrange Your Renewal Dates 

We specialise in insurance for fleet vehicles and one of the issues when setting up a policy for lots of cars, vans and bikes is that they might have different insurers and renewal dates to begin with. Usually, you will let some of the existing policies run their course (even though they are with another insurer) or put them on temporary insurance until all the dates coincide.

By the end of the year, you are able to arrange all the vehicles under the same renewal date and you will make a huge saving by having them all under the same account.

Risk Assessment Software

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HGV Fleet Insurance

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Business Car Insurance

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Commercial Fleet Insurance

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Company Fleet Insurance

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Motor Insurance Database

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