Your guide to how Fleet Insurance works

FLEET INSURANCE SPECIALISTS

FLEET INSURANCE SPECIALISTS

To gain the best fl eet insurance for your needs you need to take into account:

• Fleet size

• Frequency of use of your vehicles

In order to get the correct fl eet insurance policy you need to consider the usage of your vehicles.

• Taxi fl eet - you will need either public or private hire insurance

• If your business carries goods then you will either need ‘carriage of own

goods’ to cover tradesman’s tools or company products being transported

• ‘Haulage insurance’ for long distance hire and reward services;

• ‘Courier van insurance’ for local multi-drops of hire and reward services

• Standard ‘Business fl eet insurance’ will cover general business usage

o account:

Minimising risk and costs of fl eet insurance

FLEET INSURANCE SPECIALISTS

Make sure your fl eet insurance policy covers ‘any vehicle’

When you are looking for your fl eet insurance it can be best to cover ‘any

vehicle’ which will offer you the maximum protection. This is particularly important for larger fl eets where vehicles will come and go throughout the life of the policy.

Should you forget or accidently miss updating your policy schedule information and a vehicle is involved in an accident but was not listed, your claim can be invalidated without this feature.

FLEET INSURANCE SPECIALISTS

Consider an ‘any driver’ policy

An ‘any driver’ fl eet insurance policy, opposed to a named policy, will allow each of your vehicles to be driven by any of your drivers. This will provide you with complete fl exibility in managing your fl eet.

Many fl eet insurance providers are only willing to insure drivers over the age of 25 with any driver policies, however a true any driver policy, which you can fi nd with a specialist insurance broker, will insure anyone.

FLEET INSURANCE SPECIALISTS

Invest in public liability and breakdown assistance

When your vehicles are critical to the running of your business survival then breakdown cover may be an essential requirement to add to your fl eet insurance.

Public liability insurance however is more critical. This protects you and your business against any claims for injury or accidental damage caused as a result of you or your driver’s negligence. Any business should consider this additional feature as a public liability claim could potentially put you out of business if you were left to settle a compensation claim.

FLEET INSURANCE SPECIALISTS

Keep your fl eet insurance broker up to date

Fleet insurance is perfect for a growing business where alterations can easily

be made throughout the lifetime of the policy, but it is important to relay these changes to your provider to ensure your policy is up to date with new vehicles or drivers.

can easily

elaynew

FLEET INSURANCE SPECIALISTS

Manage your third party insurance costs to reduce fl eet insurance premiums

Many fl eet operators will have processes in place to manage their own drivers when they are involved in accidents, providing replacement vehicles and managing repairs, however less time is taken to consider managing third parties and third party claims tend to skyrocket as a result.

When your driver is at fault it is important to seek to manage both the repair time on the third party vehicle and provision of courtesy car whilst this is in process.

Too often with fl eet vehicle insurance this process is not managed and if fl eet operators want to keep down premiums, they need to be confi dent that their insurer has a system in place to manage any third-party claims itself.

FLEET INSURANCE SPECIALISTS

Developing a safety culture within the organisation can help to reduce your fl eet insurance premiums. By gradually encouraging positive behavioural changes to your fl eet’s driving habits, you can lower potential risks and experience fewer future collisions.

This can be maintained via variety of methods such as driver training and promoting awareness of the effects of claims via:

Develop a safety culture within your fl eet

• Regular communications

• Safety discussions

• Campaigns

• Driver feedback sessions

There are many ‘self-infl icted’ fl eet car insurance claims that can often be attributed to impatience, and a little forethought can go a long way.

FLEET INSURANCE SPECIALISTS

As part of implementing a safety culture it is also important to ensure that operating practices and procedures allow for employees to drive safely to reduce fl eet insurance premiums.

Focus on reducing accident frequency

• Vehicles need to be properly maintained and kept in a

safe and roadworthy condition

• Keep your fl eet up to date to reduce wear and tear risks

• Fitting CCTV cameras can capture footage to help

inaccurate claims

FLEET INSURANCE SPECIALISTS

The use of telematics can monitor and look to improve

• harsh braking

• acceleration

• cornering

• lane changing

• speed versus speed limits

Telematics can play a huge part in an overall risk management strategy and reducing overall fl eet insurance costs. But only those who have the time to work closely with the data generated by telematics can benefi t from such technology.

Telematics for Risk Management

FLEET INSURANCE SPECIALISTS

• Fleets of any vehicle covered

• Options for mixed fl eets under

1 policy

• We can help any size of business

• Incredible range of policy options

• Any driver policies available

• Competitive pricing & low excess

• Fleet management advice

• Fast & effi cient

documentation issuing

• Flexible payment terms

• Finance available subject to status

The benefi ts of fl eet insurance through the trusted UK experts, Bluedrop Services

Contact us todayGive us a call and tell us your requirements. We’ll demonstrate why the policies and service we offer, not only enhances the support you offer to the people who drive your vehicles, but also the people who drive your business.

Call us on 01489 780 491Visit www.bluedropservices.co.ukEmail info@bluedropservices.co.uk

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