Competitive Commercial Fleet Insurance Quote in Scunthorpe
How To Get Fleet Insurance In Scunthorpe
Scunthorpe businesses that operate multiple vehicles for their daily business operation understand the risk associated with fleet operation. Vehicle fleet operation involves various risks, such as road accidents, liability claims, regulatory violations, vehicle breakdowns, etc. These risks can have severe consequences for the safety of drivers, passengers and other road users, as well as the business’s reputation and profitability. Therefore, it is essential to manage these risks effectively and proactively.
Fleet insurance can help mitigate the risk involved with fleet operation in Scunthorpe, UK, by covering various scenarios that may affect your vehicles, drivers, and business.
The town is in the North Lincolnshire district of the East Midlands region in England, UK. It is situated on the River Trent and is surrounded by countryside, including the North Lincolnshire Wolds and the Humber Estuary. It is a major industrial centre with an iron and steel production history. The steel industry still plays a significant role in the town’s economy, although it has declined recently. The logistics industry in Scunthorpe provides various services and solutions for the transportation, storage, handling, and distribution of these steel products and other commodities and goods.
As one of the premier insurance providers, the Trident fleet insurance policy is a type of insurance that covers a group of vehicles that are owned or used by a business or an organization. Our UK-based insurance broker compares quotes from a panel of providers to find a suitable price for fleet insurance for you. We cover fleets of two or more vehicles with comprehensive or third-party fire and theft cover options. We also provide additional features such as breakdown cover, windscreen cover, and legal expenses cover.
WE ARE FLEET INSURANCE SPECIALISTS
How Many Vehicles Do You Need For Fleet Insurance?
Most insurance providers will have a minimum and maximum limit for the number of vans that can make up a fleet. A fleet of vehicles starts from as few as two vehicles and can go up into the thousands.
Insurance companies have different limits on how many cars you can cover under commercial fleet coverage. Each provider sets their minimum and maximum numbers. You might need a specialist fleet motor insurance policy for particularly small or large fleets.
It’s worth noting that the definition of “fleet” differs between providers, so it is best to compare van insurance to determine which kind of coverage is the most affordable for your company. The larger your fleet, the more you’re likely to save.
Fleet Insurance Covers What Types Of Vehicles?
You could cover any motor vehicle under fleet insurance. As well as your standard small, medium and large vans, you can include the following types of vehicle in your fleet insurance:
- Cars
- Pick-up vans
- Tippers
- Box/Luton Vans
- Light Vans
- Vans With Cabs
- Heavy Good Vehicles (HGVs)
- Motorbikes
So you’re not just limited to specific vehicles with fleet insurance. Interestingly fleet insurance can also cover other vehicle types in your business fleet if the registration is under the same company name. Although the definition of “other vehicle types” may vary between providers, so do check. Some policies may exclude tractors and specialist vehicles like dumper trucks, forklift trucks and excavators.
Type of Coverage You Get Under Fleet Insurance
Fully comprehensive fleet insurance will cover your vehicles and the drivers if a motor vehicle is involved in an accident or stolen. It will also cover the costs of damage to other cars or property if your vehicle was involved in an accident and it was your driver’s fault. There is also a
Third-Party only fleet insurance provides the bare minimum of legal coverage for a fleet of cars and is the least expensive option. However, most businesses consider comprehensive fleet insurance standards because cars, vans and other company vehicles get the highest level of protection.
- Fleet sizes from 2+ Vehicles
- Couriers & Hauliers
- Easy Administration
- Mixed cover for all types of Vehicles
- Breakdown cover options on vehicles up to 7.5 tonnes
- Mixed cover for all types of Vehicles
- Single Renewal Date
- Add a new vehicle during the year of the policy
- No mileage restriction
- No claims bonus discounts available
- New Ventures and Start-ups
- Younger & Convicted drivers
- Affordable monthly payments
Do You Need Additional Cover With Fleet Insurance?
Though it is not binding, you can always go with added cover for fleet insurance, reducing the chance of damage and financial loss not covered in a basic fleet insurance policy. Depending on your business operation and the size of your fleet, consider the following covers for extra charges.
- Breakdown cover is an essential add-on for commercial fleet insurance policies. With more vans in your fleet, the likelihood of breakdowns increases, making this coverage necessary. It assists in vehicle breakdowns, enabling you to get back on the road quickly and minimizing the impact on your business operations.
- Courtesy van cover can help ensure undisrupted business operations if one or more of your vans are out of action for an extended period. This type of cover provides a replacement van, allowing you to continue operating while your vehicle is in repair.
- Personal accident cover is optional to compensate drivers injured or killed in a road accident. This cover can help provide financial support to drivers or their families in the event of a severe accident.
Pros & Cons of Fleet Insurance?
Like any other product and service, fleet insurance has pros and cons. One cannot guarantee that a fleet insurance policy will solve all the risks of managing the fleet operation.
Pros:
- Insuring multiple vehicles under a single policy, such as a fleet insurance policy, means you only have one renewal date to remember and one set of paperwork to manage, which can save time and reduce administrative burden.
- Insuring multiple vehicles under a single policy can be cheaper than insuring them individually. Because insurers often offer discounts or lower rates for fleet policies, they can cover multiple vehicles under one policy and potentially reduce administrative costs.
- An ‘any driver’ policy allows any driver to operate any vehicle covered by the policy, which can be more convenient and efficient for businesses with multiple drivers and cars. However, this type of policy may come with higher premiums than a named driver policy, where only specific drivers are covered.
- Most fleet insurance policies are flexible and allow you to add or remove vehicles as your business needs change. So it makes it easier for your business to adapt to fluctuations in demand or changes in your fleet size.
Cons:
- Having a driver with a poor driving history on the same policy as other vehicles could increase the premiums for all the cars on the policy, as the risk of an accident or claim is higher. In some cases, it may be more cost-effective to put high-risk drivers on a separate policy to avoid affecting the premiums of the other vehicles.
- It’s essential to keep your policy updated with any changes in your fleet, such as new vehicles or drivers or changes in the usage of cars. Otherwise, future claims may get invalidated.
- The cost savings of insuring multiple vehicles are less significant for smaller fleets.
- Insuring less experienced drivers can increase the risk of accidents, leading to higher premiums for the entire fleet. Insuring these drivers in a separate policy helps keep costs down for the rest of the fleet.
How Can Trident Fleet Insurance Help You in Scunthorpe
Trident Fleet Insurance is a specialist insurance service company that can cater for all your fleet insurance needs. We offer you a bespoke quotation based on specific requirements and circumstances that covers your multiple or mixed vehicles in Scunthorpe. You can choose a cover level from the third party to fully comprehensive, including breakdown assistance and legal services. Fleet insurance can benefit businesses by saving time and money, reducing administration, simplifying claims, and offering flexibility. Trident Fleet insurance can also provide competitive rates and discounts for good drivers.
Our Process
We like to keep our process simple and straightforward. Take a look below at how we get your insurance policy into play.
Get In Contact
The first step is to get in contact with us. You can give us a call, or fill our the contact form at the bottom of this page
Schedule Meeting
Once we have received your enquiry, a member of our team will help you into being connected to the right department.
Assign an Agent
We assign you with a designated account manager who will be your point of contact should you need to contact them.
Start your Policy
Once we have agreed your terms and conditions on your policy, we then start your policy at the price agreed (no hidden fees).
Get your Fleet Insurance Quote.
Opening Hours
- 09.00 AM - 17:30 PM
- 09.00 AM - 12:30 PM
- CLOSED
Contact Us
- Trident Insurance 4 Clements Court Clements Lane Ilford, IG1 2QY
- 0800 038 9000
- sales@trident-insurance.co.uk
Fleet Insurance Quotes, Made To Measure For Your Business.
We’ve provided Fleet Insurance cover for over 24 years. Our experienced insurance negotiators will work with you to build an insurance plan, specifically tailored to your requirements and budget. As independent brokers we can search all insurers to deliver the most competitive fleet insurance package.