Fleet Insurance NI - Compare Costs Northern Ireland
In Northern Ireland there are many businesses that have several cars, vans and even motorbikes that they use for their daily work. From burger vans to goods trucks, right on through to the ever so popular courier motorcycle. The common thread with all these vehicles is insurance.
This type over insurance can be purchased in a number of ways. Some policies will include goods in transit cover. Others will allow various drivers that fall into certain age groups to use them. Any business can decide which type of affordable fleet vehicle insurance is needed, but always best is to compare the different deals that are on the market by doing a comparison.
Obtaining Vehicle Fleet Insurance in Northern Ireland is a wise move no matter the type of vehicles a business owns. Comparing the different policies from many insurance companies can indeed take time for an individual to do.
The wise and accepted way to do this is to use a knowledgeable insurance broker. They will have a collection of contacts, along with an insurance comparison service, that will be able to give you a good view of the market. They can help you sort through the most basic third party cover to full comprehensive in far less time than you ever thought possible.
What is Fleet Insurance?
Fleet insurance will enable you to cover 2 or more vehicles under one policy, the vehicles do not need to be the same, for example a mix of vans, lorries and cars can comprise a fleet. Compared to a standard motor insurance policy, the average Fleet Insurance policy in Northern Ireland is far more robust and flexible. This makes it easier to reduce driver restrictions, as well as allow you to add or remove different vehicles to your policy.
In Northern Ireland, the following types of vehicles can all be covered under one policy.
- Special types of vehicles and mechanical plant
- Agricultural and forestry vehicles
- Large goods vehicles (LGVs)
- Private cars
Even though Motor Fleet policies in NI are indeed flexible and can encompass a large array of vehicles, understand that the same general range of cover is available to fleet operators as well as private individuals.
- Third Party Only This is the minimum type of cover available and is by law required here in the UK. This will protect you against any injury, loss or damaged to third parties.
- Third Party Fire and Theft This type of cover extends fire and theft coverage to a Third Party Only policy.
- Comprehensive While this type of policy comes a noticeable higher excess, it can protect vehicles that are owned by your company, or those in its custody from accidental damage
The excess amounts across all three of these categories of course depends on what type of work your company does along with the level of risk involved.
Because sometime a fleet will consist of either five or five hundred vehicles, Motor Fleet Insurance in Northern Ireland will typically a broader selection of extensions than would a standard motor policy. The following may be available as part of your Fleet Insurance policy.
- Replacement locks following the loss or theft of keys
- Occasional business use
- Personal effects
- Vehicle recovery and delivery
- Personal accident
- Legal protection
- New vehicle replacement
- Medical expenses
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