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Small Fleet Insurance

Whether you run a business or have multiple vehicles of your own our small fleet insurance policies offer you an alternative solution.

Traditionally if you owned one than one vehicle you would have been required to take out a separate insurance policy on each vehicle. However times are changing and insurers have to reinvent new policies so a fairly recent addition to the market place is small fleet insurance.

Small fleet insurance is different to fleet insurance, as this type of policy insures you or your business if you own 2 or more vehicles, and typically with fleet insurance you would require 5 or more vehicles to be eligible.

There are many benefits for insuring through a small fleet insurance policy with the main ones being:

  • A reduction in premium by combining all vehicles under one policy as the higher risk drivers premiums are supplemented by the drivers who pose a lesser risk
  • One renewal date for all vehicles, each driver/vehicle earns a no claim bonus
  • A combination of cars and commercial vehicles are allowed

You still get the option of comprehensive or third party fire and theft cover, you can choose to restrict the policy to named drivers or you can open up the driving terms to include open driving or any driver policies as they are also known. These open driving policies usually have an age restriction of 21, 25, or 30 years old but there are insurers that will offer a policy without an age restriction.

If you have one driver under your age restricted policy you can usually add an underage driver to the policy by named them specifically. This is very useful as it means the premium is still discounted and you are only paying a higher premium for the younger driver. This option is also available to a driver with convictions or claims.