fleet insurance

corkey6458

Can anyone tell me of a good insurance company for fleet insurance. I currently have 6 vehicles on a company fleet insurance which keeps going up and up. Do you think it might be cheaper to insure them seperately and can this be done with any driver?

mattymoo

You really need a decent insurance broker for that. MSE is for private consumers only.

Is the premium increase down to a poor claims history? Insurers will usually respond positively if you invest in driver training and telematics systems if this is an HGV / LGV fleet.

scousemanblue

I know a good broker.......;)

If you have more than 3 vehicles, really you should have a fleet. As the previous poster mentioned, you do need a broker to do this.

raskazz

99.99% of the time it will be cheaper to insure them as a fleet.

I presume that you bought the policy through a broker - get in touch with them to ask if they can look at rebroking it; you could also ask for the proof of your claim history so that you can potentially consult with other brokers.

corkey6458

raskazz wrote: »

99.99% of the time it will be cheaper to insure them as a fleet.

I presume that you bought the policy through a broker - get in touch with them to ask if they can look at rebroking it; you could also ask for the proof of your claim history so that you can potentially consult with other brokers.

yes I did get it through a broker the same one I have used for years and years I just wondered was they taking it for granted that I wouldn't change as although they say they search the market for cheaper, when the policy comes through they have actually only looked at 2 or 3 other insurance companies. I also have household (buildings and contents), public and employers liability and property insurance for other properties I own all with them. It's only now that things are getting tougher that I realise just how much I pay in insurance premiums each month!!

corkey6458

mattymoo wrote: »

You really need a decent insurance broker for that. MSE is for private consumers only.

Is the premium increase down to a poor claims history? Insurers will usually respond positively if you invest in driver training and telematics systems if this is an HGV / LGV fleet.

No the premiums have just increased, I don't have HGV's just a nissan van a mitsibussi? canter toyota pick up and 3 cars. Also it is only family members that drive any of the vehicles

corkey6458

raskazz wrote: »

99.99% of the time it will be cheaper to insure them as a fleet.

I presume that you bought the policy through a broker - get in touch with them to ask if they can look at rebroking it; you could also ask for the proof of your claim history so that you can potentially consult with other brokers.

I will contact them and ask them for my claims history, it might also be interesting to find out the individual cost of each vehicle.
Thanks for the advice

jeppy

If one vehicle has a couple of accidents it will affect the whole premium, if insured individually you will only lose the bonus on the one vehicle.

However, the history of the driver may affect any vehicles he is driving.

You should request a confirmed claims experience covering 3 years and then approach a couple of brokers for alternative quotes.