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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.

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