Mini Fleet Insurance

Mini Fleet Insurance Policy

Mini Fleet Insurance Ever wondered exactly what is meant by mini fleet insurance, or how many vehicles do you need to qualify?

Perhaps you’re wondering if you’re eligible and whether you could save money by taking out a mini fleet insurance policy.

Mini Fleet Insurance explained Many businesses with a handful of vehicles tend to benefit from a mini fleet insurance. Mini fleet insurance or small fleet insurance is simply a motor fleet insurance policy that covers a small number of vehicles.

What do you get with small fleet insurance?

Imagine all the usual cover you get on a commercial vehicle insurance policy, but with some really handy extras thrown in. With this sort of policy, you can get:        

Comprehensive cover Cover for all your vehicles (often including Director’s vehicles) Breakdown cover Courtesy Car Legal Expenses cover Low excesses Cover for any driver (sometimes age and/or vehicle restrictions can apply) Cover for named young drivers

With mini fleet insurance, you can insure your company’s vehicles (and usually Director’s vehicles too) under one policy.

Mini fleet insurance online quote – one policy, covering all vehicles

Instead of having several policies for your vehicles, renewing at different times, covering different things, you could save money and benefit from wider cover with a mini fleet insurance policy.

How many vehicles do I need to get mini fleet van insurance?

Most fleet insurers require a minimum of three vehicles to issue a mini fleet insurance policy. As fleet insurance brokers, we have access to mini fleet insurance policies that start with as little as 2 vehicles.

An example of when mini fleet van insurance can come in handy XYZ Ltd has 2 vans that are insured separately. They each have maximum no claims discount. The company purchases another van, but as this will not be replacing a van, there is no 2no claims discount” that can be applied to the new insurance policy.

The company therefore has to buy a new policy with no 2no claims discount”, making for a really expensive premium, whilst they have to build up a new claims record on the vehicle.

As fleet insurers look at the overall picture, including factors such as vehicles, drivers, claims etc, new vehicles are not subject to such harsh rules in terms of pricing and the building of ”no claims discounts”.