Something about the nature of insurance seems to make people want to pay as little as possible for it. Cars on the other hand, people seem to be willing to pay through the nose for, but when it comes to insurance, everyone wants the cheapest. The latest way of doing this is by grouping everyone that lives in the same house under a policy called family fleet insurance.
So fleet insurance sounds ideal for families who are all careful drivers (yeah right). What about people living with a boy racer? It sounds possible that they could end up paying more with all family members on the same policy.
Fleet insurance was originally intended to work was with 100 or so of the same car all insured by a company for their staff to drive. However in actual fact most fleets are made up of different kinds of vehicles. Minibuses, Lorries, HGVs and even Tractors can wind up insured on the same fleet insurance policy.
If you are ever on a really long and really boring journey, a cheap (very cheap!) way of passing the time is with a little game that you can play to yourself. In this game, you look at every car that goes past, or that passes you, and try to figure out whether they are covered by fleet insurance or not. The good thing about this game is that you can’t really lose, well, unless you want to stop every car you make a guess at and ask the driver about the details of their insurance policy, but here are some tips to help you win;
Vehicles displaying a company logo have a good chance of being covered under a fleet insurance policy. Older looking vehicles however are probably not, young (or old) men speeding around in fast cars are definitely not, policemen almost definitely are, butchers, bakers, candlestick makers having fleet insurance, maybe! It’s a good game isn’t it? Or at least it will help pass the time on those long, arduous journeys.
So should you insure your vehicle on with fleet insurance? Well, it sounds obvious but first find out it it’d be cheaper that way, and if it would, go for it! It’s probably best not to ask a Meerkat or an overly large opera singer, the chances are they won’t be able to help you with fleet insurance. It’s best to ask a real live person who specialises in insurance to advise you on the best policy to suit your unique requirements.
If you feel you might need some fleet insurance then you should pay Coversure a visit. They are specialist insurance brokers with great relationships with some of the country’s top insurance providers so they can make sure you get the best deals on anything from fleet insurance to caravan insurance.
