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If you have a fleet of vehicles, it is possible to get your vehicle fleet insured under one policy rather than having each of the vehicles insured individually. If your vehicle fleet is for commerical, luxury or private purposes then, saving money on the insurance premium by having all the cars under one easy to manage policy is most cost effective in monetary terms aa well as administration time.

There are two ways to go about purchasing an insurance cover for your vehicle fleet. One, is that you could do all the research and then find the most suitable policy for your fleet or second, you could approach a fleet insurance specialist. Both the ways work and have their own advantages and disadvantages. Generally speaking, it is a ‘fight’ when you have to hunt down the most appropriate policy on your own, on the other hand, locating a specialist to do the leg work for offers a smooth ‘flight’ to being offered coat effective insurance.

Those who take a different approach to the terms ‘fight or flight’ could use them as their original meaning, that all animals, including humans, have built into the genetic make-up an automatic ‘fight’ or ‘flight’ instinction. Fight meaning you can ‘fight’ for a competitive insurance deal or you could take one look at what is being offered and the cost and decide to leave a particular insurer well alone and take ‘flight’ as far away from them is possible!

The internet is a powerful medium which enables those who know little about the insurance industry to familiarise themselves with the different type of fleet insurance options available. There are also many insurance brokers who specialises in this type of insurance who will be able to offer you a number of different quotations from many different insurers, to help you make the most informed choices.

It may be worth while listening to your ‘gut’ feeling of ‘fight’ or ‘flight’ when looking at different insurance quotes. Shopping around for the best deals which can be tailored to meet your needs enables you to select from a variety of different insurance cover to meet your fleet needs. It should also be realised that within this type of policy each vehicle can has its own separate type of terms and conditions stipulated, proving you with flexibility to have different vehicle, makes and models all included within the policy at a much lower rate than having each vehicle insured separately.

One of the only exceptions is if one of the drivers is under the low cost premium banding age, which usually 25 years, or have driving convictions. Either of these two scenarios would increase the cost of premium. If this is the case it maybe most cost effective not to include them on a fleet policy.

From commercial vehicles to private collections fleet insurance is undoubtedly a cost effective way to manage the insurance on all of the vehicles. Many insurers offer mixed fleet policies which enables you to include private as well as commercial vehicles under the one policy, motorbikes and even agricultural vehicles can be included to make your life far easier and your insurance more manageable.

For more information about Fleet Insurance visit the Flint Insurance website.

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