Motor Vehicle

Commercial Motor Vehicle Insurance

When a business arranges insurance on its Motor Vehicles it can either insure each vehicle individually or arrange cover for multiple vehicles under the one policy. If the business has enough vehicles, cover can be arranged under a 'Commercial Fleet' policy.

A 'Fleet' policy generally offers a broader level of protection than a standard commercial motor policy, however most insurers will only offer a 'Fleet' policy if the number of vehicles exceeds 15 - 20. Having your vehicles insured under either a commercial or a fleet policy removes the hassle of having numerous policies and not knowing which policy is for a particular vehicle. It reduces the administration burden considerably thereby freeing up your time for more important things!

Sometimes however, the most appropriate insurance program may be to insure your vehicles separately, as we can 'pick and choose' as to which premium is the lesser and place the vehicles with a number of insurers. This is particularly relevant where your business may own some high value or specialty vehicles. Our job is to recommend what we believe to be the best course of action for you.

Personal Motor Vehicle Insurance

Whilst most policies for Personal Motor Vehicles are very similar in coverage, premiums can vary dramatically from one insurer to another. Also the amount of business use for the vehicle can also have a dramatic impact upon premium.

Whilst many 'Direct' insurers sometimes offer less expensive premiums if you have a claim they will act in the best interests of the insurer, whereas we, as General Insurance Brokers are obliged to act in your best interests. We can get in there and help you out if you have any problems with a claim. The reason why you have this insurance is to be protected should a claim arise. Spending a little bit more on your premium can make all the difference to the cover so please seek our advice before you purchase any vehicle insurance.

 

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