Fleet Insurance

What is Fleet Insurance?

Fleet insurance is an insurance policy that covers a fleet of vehicles. Instead of insuring your company vehicles individually, which can sometimes be very costly.

Swinton fleet insurance could save your business money, but it also gives you full flexibility and control when it comes to insuring your vehicles. Insuring your vehicles under one policy will save you a lot of time and give you more opportunity to concentrate on other important areas of your business.

How does Fleet Insurance work?

Typically, businesses who have more than one vehicle will be able to get fleet insurance. With fleet insurance, you can choose cover levels of Any Driver to any vehicle listed on the policy, alternatively, you can also insure specific drivers to specific vehicles. Great if you have pool cars!

What does Fleet Insurance cover?

Depending on your individual circumstances and cover levels chosen, a Fleet Insurance policy from Swinton can provide protection for:

• Loss or damage to your vehicles
• Vehicle recovery in the event of an accident or breakdown
• Legal fees
• Damage to the windows or windscreens
• Replacement locks should your keys be stolen
• Support towards medical expenses should you or a passenger sustain an injury in an accident in an insured vehicle
• Driving abroad, usually with a maximum limit of days allowed per year
• Cover for any personal belongings lost or damaged in an insured vehicle
• Trailers attached to a vehicle insured under the policy
• Use of a courtesy car while the insured vehicle is in for repair

At Swinton, we understand that your business needs can be complicated.

That’s why we can also provide Fleet Insurance for:

• Protection for personal belongings that are lost or damaged in a vehicle insured under the policy
• Trailers attached or connected to a vehicle insured under the policy

Please note that all the benefits listed above are subject to the policy you choose through our specially selected and trusted insurers.

How much does Fleet Insurance cost?

The cost of Fleet Insurance depends on a number of factors that are unique to your business. These factors include:

• The number of vehicles in your fleet — The more vehicles you add to your Fleet Insurance policy, the more it will cost overall (although insuring a large quantity could mean you pay less per vehicle).
• Types of vehicles you’re insuring — High-value vehicles such as HGVs cost more to insure because of how much your insurer would need to pay out to cover its market value 
• Your company claims history — If your business has made few or no claims in the previous few years, it could help you get cheaper Fleet Insurance quote.
• Your driver risk profile — The history of your drivers can also affect the overall price of your Fleet Insurance. A driver with points on their license or who has made a high number of claims in the past can make your whole Fleet Insurance policy more expensive.

How to get a cheaper Fleet Insurance quote

Here are a few practical ways you can increase your chances of getting a cheap Fleet Insurance quote:

• Electric or hybrid vehicles may reduce policy prices. The engines on these vehicles generally have less power than regular vehicles, so they’re considered safer by insurers. Their CO2 emissions are lower too.
• Employ drivers with good records — Drivers with clean records over the age of 25 are the cheapest to insure because they present a low risk compared with younger drivers or those with an extensive claim’s history
• Flexibility month payment on Direct Debit
• Adding or increasing your voluntary excess could reduce your annual premium 
• Sending your drivers on a training course will make them aware of hazards and will iron out any potentially unsafe habits. These courses can help improve aspects of driving like fuel efficiency, driving in bad weather conditions and hazard perception.
• We are able to offer a variety of cover levels to suit your driver demographic, Any Driver 25 and Any Driver 30. 
• Maintain your vehicles — If your fleet is in good shape, it’s far less likely you’ll have any breakdowns. Show evidence of regular tyre and engine checks to your insurer for a chance at a cheaper quote.
• Incentivise your drivers — Making drivers responsible for paying their own excess or bonusing staff that don’t make a claim is a good way to have everyone on your fleet drive more safely.
• Store your vehicles safely — Keeping your fleet stored at night in a secure facility, such as a garage or a CCTV-monitored car park, reduces the risk of theft, so insurers might give you a cheaper quote.
• Make use of technology — Installing dashboard cameras and telematics can help reduce your premiums by proving to insurers that your drivers are safe on the roads.