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What Is Commercial Motor Insurance & What Does It Cover?

Mini fleet insurance is a type of cover that’s specifically tailored for people who want to insure 2 or more vehicles. These can be cars, vans or a combination of the two.

  • Save time – Mini fleet insurance will save you a great deal of time when insuring multiple vehicles since everything is under one easy-to-manage policy.
  • Save money – Mini fleet insurance can also save you a good amount of moneysince it’s usually cheaper than insuring the vehicles under separate policies.
  • Great for small businesses – If you own a small business that has 2 or more vehicles then small fleet insurance is a great way to keep costs to a minimum.

Mini Fleet Types Of Policy Available

  • Multiple quotes from Specialist Brokers
  • UK and European Insurance Cover
  • Flexible payment methods Monthly, Quarterly Annual
  • Cars, Truck, Vans, Bikes , any Vehicle type
  • Complete one quick and easy form
  • Any driver insurance
  • UK and European Insurance Cover

Our Experience & Relationships

Moneycornershop.com is a proud member of the Purple Partnership – Who have been voted the Best Broker Network in the UK – 3 times in the last 4 years – Which means many insurers provide exclusive deals for us, with competitive pricing and enhanced policy cover. MoneyCornershop.com has been working with small-and medium-sized enterprises all across the UK, so we understand that each individual business has its own unique risks and challenges. Our knowledgeable customer service team has the skills and expertise to put together a flexible policy that fits your specific requirements, and has the ability to develop and grow along with your business.

When this is combined with the great service our team provides, you can see why people choose to let us arrange their insurance.
We have over 50 years collective experience and relationships with underwriting specialists which have the capacity and understanding of the industry to write and place any mini fleet risk.

As well as the three cover levels you can also select the driving restrictions applied to them. You could have a Named Driver policy which will allow specific drivers named on the policy documents to drive specific vehicles. This is perfect if your drivers will only ever need to drive specific vehicles.Small fleet insurance can cover large or small fleets with 1,2,3,4 or 5 vehicles and is the perfect solution for a small or growing business. The big plus of this type of cover is it gives you flexibility in what you can include with the added benefit that placing all of your vehicles into one mini fleet insurance policy will often be rewarded with it a reduced annual insurance premium.

Mini or small fleet insurance covers a range of vehicles including not only cars, but vans, trucks, HGV’s_ or any other automobile that gets you from A to B or is used to transporting people or goods for reward or any other business or personal usage. No fixed number defines a mini fleet, but the norm ranges from 2 to 16, the exact number may vary from underwriter to underwriter.
The mini fleet insurance types available are as follows

  • Third party only
  • Third party with fire and theft
  • The top level comprehensive cover that will also include losses sustained by the owner

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What Are The Optional Extras You Should Consider?

Mini fleet optional features and extras

Each multi fleet insurance policy offered will most likely have different inclusions and exclusions, excesses ( the amount that you are liable for ) and so forth. A few of the common ones are listed below. Be aware you are paying for these extras, as such if you do not need a particular type of cover, for example breakdown protection then do not include this in your policy.

  • Cover for driving in Europe, normally capped at 90 days in one year sometimes included in the standard policy
  • Optional : Employer’s liability insurance
  • Optional : GIT which is goods in transit insurance
  • Optional : Any driver is available, but better to keep to named drivers if possible.
  • Optional : Cover for interruption of regular business.
  • Optional : Protected no claims bonus, conditions normally apply, for example no claims for a period of five years.

Telematics Fleet Insurance

Telematics is a rapidly growing area of the insurance market and it’s particularly popular with commercial fleets, where it can be used to monitor the performance of different drivers and to make business efficiencies. The policies use a black box or mobile phone app to calculate premiums based on the standard and nature of driving, and can feed back sophisticated data so that the business can analyse the performance of its fleet.

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Tailor Made Policies To Meet Your Needs

As well as the three cover levels you can also select the driving restrictions applied to them. You could have a Named Driver policy which will allow specific drivers named on the policy documents to drive specific vehicles. This is perfect if your drivers will only ever need to drive specific vehicles.

Alternatively if you have a large number of drivers that may need to drive all of your vehicles, then you could benefit from an Any Driver policy, though this is usually more expensive as any driver within your business who holds a valid licence to drive the
vehicle can do so.
You may wish to consider setting an age limit so younger and less experienced drivers cannot be included. Similarly you may wish to avoid drivers with convictions. This type of policy is ideal for a busy company with multiple vehicles and many drivers such as a taxi firm, hauliers or a delivery company.

Here are a few points to recap on the types of cover available under Commercial Motor insurance:

  • Fleet Insurance
  • Commercial Minibus Insurance
  • Taxi Insurance
  • Truck insurance
  • Haulage insurance
  • Comprehensive Cover
  • Third Party, Fire & Theft
  • Third Party Only
  • Named Driver Policies
  • Any Driver Policies

Want To Know A Few Ways To Reduce Your Premium?

  • Paying annually rather than monthly
  • Avoiding modifications to your fleet vehicles
  • Only paying for the cover you need, discarding unnecessary packaged add- ons
  • Increasing your voluntary excess
  • Trying to build up a no-claims bonus

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