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If you own a fleet of cars, whether seven or sixty, you ought to get insurance for the cars. This sort of insurance is more popularly known as fleet insurance. And the insurance can be taken out on no less than six cars. Therefore, people with four cars will have to get auto insurance for each car - not as a fleet.

Fleet insurance is often the best form of insurance for company cars as against individual auto or car insurance. Covers differ according to the number of cars and their sizes. The quotes for small cars and minivans are not the same as those for trucks and trailers. Before getting the quotes however, you should take the time to find out what kinds of benefits you will get, and the different components of each package.

Most insurance companies will give you a full of list of options to choose from before you finally sign up with them. Some of the more common ones include

1. 3rd party accident claims, which basically states that if one of the cars is involved in an accident, then the other party may not make any claims if they were the cause of it.

2. Breakdown Cover, which basically helps ensure that you have roadside assistance anytime one of the cars breaks down on the road. This particular coverage is excellent for cars that are constantly on the road doing one delivery or another. The kind of roadside assistance you get will also depend on the packages you choose. For example, you might opt to have just flat tyre replacements and car towing in the event of a breakdown, but decide to forgo others, such as provision of fire extinguisher and extra tyres.

When you insure your fleet of cars, you often have more advantages in that you can basically choose the same package for all the cars, pay less in premiums, save yourself some money, protect yourself, your drivers and your cars, make provisions for the “rainy days” when your cars are in bad shape, and so on. You can also get the best value for your money, pay lower premiums and obtain great fleet insurance deals if you make sure of certain things like:

1. Drivers’ Certifications
This is crucial. Ensure that your driver goes for training sessions frequently. If they do this just twice - or even once - a year, the insurance company is going to be more certain of insuring your cars as the tests assure them that your drivers are in peak condition.

2. Drivers’ Age
Most fleet insurance companies are wary of insuring cars that will be driven by teenagers. Even when they do, the premium is always higher as statistics have shown that teenagers are more likely to get involved in an accident than adults.

3. Security
If you can prove that your cars have alarms and a safe location where they are often parked, you will often get reduced premium rates.

Paul Headley is a specialist insurance article writer. Staveley Head are a leading UK insurance broker for Fleet Insurance

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