Fleet Insurance Hertfordshire – Four Key Advantages

At Clover Insurance we offer motor vehicle fleet insurance as part of our comprehensive range of policies for commercial customers. Here we look at the key advantages of insuring your vehicles through this type of cover – and not all the benefits are purely financial ones.

Fleet Insurance Hertfordshire

It Can be Cheaper

Insuring vehicles collectively can work out cheaper pro-rata, compared to having individual policies for each car, lorry, HGV or van. This is particularly important as policies tend to be more expensive for these types of commercial vehicles than for privately owned cars.

This is due to a combination of factors – the mileage per year tends to be higher and they will be used by lots of different drivers, sometimes in heavy traffic and on unfamiliar roads. So, any opportunity to lower premiums will be welcomed by businesses looking to cut costs.

No Claims Bonuses Apply Across the Fleet

With fleet insurance, every vehicle in the fleet is dealt with collectively, which means that any no-claim bonuses apply to all the vehicles and not just one. If you wanted to add another van or lorry to your policy, and have not made any claims recently, your excellent record will be taken into account.

If you insure your vehicles separately, you would begin with a zero year’s no claim bonus on each new addition, so there is a substantial saving to be made by choosing fleet insurance. For new customers taking out fleet insurance, Clover Insurance will be able to offer you a competitive premium provided you have at least two years’ no claims bonus from your standard private car or commercial vehicle policies on each vehicle.

It Cuts Down the Admin

Fleet insurance is a real boon for business owners who are pressed for time. You only need to have one set of documents, rather than lots of separate ones. There’s far less chance of letting one of your vehicles go out on the road uninsured if you only have one renewal date to remember for your entire fleet.

There’s Much Greater Flexibility

Multi-vehicle insurance policies allow businesses to be far more flexible in terms of who does – or drives – what. With most policies, all members of staff will be allowed to drive all the vehicles in the fleet. It is also a comparatively simple process to add new vehicles to the policy, or take them off, halfway through the year.

Fleet Insurance in Hertfordshire with Clover Insurance

Given the importance of ensuring all your drivers are fully covered in the event of an accident, multi vehicle insurance is too important to trust to a comparison website – you really need the personal advice of a broker like Clover Insurance.

If you would like to make an enquiry about our motor fleet insurance, follow this link and fill in the online form. Our policies are arranged by either Lloyd’s or ABI-approved insurers and can be tailor-made for fleets of all sizes, starting from a minimum of three vehicles. Our fleet insurance is available for commercial customers in and around North London, Hertfordshire, and across the rest of the UK.

Our standard fleet insurance policies cover drivers from the age of 25 upwards, and who has held a full UK licence for at least two years, although we can arrange cover if you have newer or younger drivers on your staff.