Insurance-Find out if it is essential for you!

By law, all motor vehicles have to be insured. You must have some form of insurance, it doesn't matter if you own a car, motorbike, van, truck etc. You can choose from, there are three types of insurance policies like HGV Fleet Insurance, 3 car fleet insurance and 2 car fleet insurance.

1. To cover you from accidental damage to your vehicle and other peoples, comprehensive insurance is designed.

2. To other peoples' vehicles and not your own, third Party insurance will only cover damage.

3. For damage to other peoples' vehicles with the addition of fire and theft cover, third Party Fire and Theft will cover you.

This could be a collection of cars, motorbikes, etc, then you may benefit from Fleet Insurance and you don't have to own a business to take advantage of this type of motor insurance when most of us only require insurance for one or two vehicles but if you have more than five motor vehicles. If you own less than five vehicles, this is called a mini fleet insurance and it is worth shopping around as there are insurance companies who will give you quotes.

On certain factors which will be taken into consideration, the cost of the policy will depend. For example, if there will be any other people who will be driving them, how many vehicles you own, the type of vehicles and the age.

Because it is one policy that covers all of your vehicles, fleet Insurance is much more widely used by businesses. Included in this would be businesses that could benefit from this type of insurance are:

Car rental companiesTaxi cabs - for private and public hire taxi cabs, insurance is availableCourier servicesBus and coach companiesSecurity firmsLimousine servicesCompanies who provide their employees with business cars

A Fleet Insurance policy will save you time and money as all your vehicles will be covered under one policy and you only have one renewal date to remember. 
As with normal insurance policies a Fleet insurance policy can include a courtesy car and be customised to suit your company's needs.

Depending on what cover you are quoted for it could include breakdown and accident assistance.



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