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There are people who just love to collect cars or others might have more than one car or any other vehicles such as a fleet of haulage lorries. People like these could make huge savings on their insurance by opting to have them all covered under one umbrella along with the diversity of having the ability to apply terms and restrictions on each separate vehicle.

Similarly if you have a fleet of vehicles you are using in your business i.e. that you use the fleet of vehicles that you own for commercial purposes, then you should be looking at fleet insurance under the category of commercial insurance. You could get your van fleet; taxi fleet; motor fleet; coach fleet; minibus fleet or even the company car fleet insured under this one insurance policy option.

Haulage fleet insurance would have the same benefits as that of the regular insurance policy. The difference would be that you would be making saving on the premium costs as well as making savings on administration costs. Along with less hassle and the stress of trying to remember each vehicle’s policy renewal dates, this type of policy has many advantages.

With fleet insurance, the insurers take care of all the necessary paperwork whilst giving you the opportunity to have specific terms and restrictions applied to each individual vehicle if you wish. For hauliers who operate more then five lorries or trucks, the exact number of vehicles required to have haulage fleet insurance does vary between insurers, can take advantage of the generous savings this type of insurance policy offers.

There are so many insurance companies offering this type of insurance that you can’t really say what all benefits you would get through this type of insurance offers, as each insurer will include or not include different aspects of insurance within their quotes. However, generically the advantages of haulage fleet insurance include:

* Most of the policies would include the trailers as well with the vehicles and hence, would extend cover in case of damage.

* In most cases named and approved drivers are only covered however, if the fleet is huge then a valid driver’s license, which should have the validity of more than 2 years and the age of the drivers are between 25- 65 years, these may be sufficient requirements which can still save you money under this type of policy.

* Legal expenses are also covered in some cases, for example the hospitalisation cost for the driver after an accident. The claim costs for the same and any legal proceeding expenses would also be covered under the policy.

The specific benefits that you would enjoy form having haulage fleet insurance policy would depend upon the policy you choose in accordance with your business requirements. Remember, that by investing a little time and effort you would be able to obtain a policy that is highly customised for your specific needs, but at the same time gives you maximum benefits with the least amount of cost, especially if you opt for reputable insurance companies who specialise in these types of haulage policies.

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

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