Why choose Howden for Fleet Insurance?
Howden is the new name for A-Plan. As a broker which specialises in business and motor insurance, we pride ourselves on doing the heavy lifting, so you don’t have to. Thanks to the great relationships we have with our carefully selected panel of standard and specialist insurers, we make the process of comparing various motor fleet insurance policies, on your behalf, simple and straightforward. What’s not to like?
Here at Howden, our team understands that each fleet policy needs to be as individual as its owner and their own business needs, and that’s why we provide a personalised service, focused on getting to know you and finding out exactly what you want from your insurance cover.
Ultimately, whether you need to make a claim, purchase new motor insurance cover, find out a renewal date, or adjust an existing policy, just know that we’re here to help.
Benefits of working with Howden:
- You can trust us – we’re rated Excellent on Trustpilot.
- We’re driven to save you time, money, and hassle.
- Benefit from a tailored service that comparison sites can’t provide.
- Speak with your local branch, within your community.
- We’re right by your side in the event of a claim.
What is Fleet Insurance?
Fleet insurance is a business vehicle insurance product and a type of coverage that insures multiple vehicles, starting with as little as two. It’s vital for many organisations, as their fleet vehicles are a significant investment, and is often a key part to ensuring that their operations are efficient and successful.
How does fleet insurance work?
A fleet insurance policy can cover anything from other vehicles and drivers to your own vehicles and employees. It can also cover vehicle theft and fire damage, but this will depend on your insurance provider’s limitations. On top of that, different fleet insurance policies will cover some more specific things, such as breakdowns, tools and equipment, personal belongings, lost vehicle keys and other transported goods.
You can opt to get motor fleet insurance to cover for a wide range of vehicle types as well, including:
- HGVs and trucks
- Agricultural vehicles
Similarly to other car-related insurance products, there are three different levels of fleet insurance cover you can choose from too; comprehensive, third party, fire and theft, and third party only. We, as an insurance broker, can help you pick the best level of cover for you, along with the policies you want.
All in all, a Howden taxi fleet insurance policy, sourced from one of the many specialist motor insurers we work with, is crafted to suit the specific insurance needs of each business. We strive to ensure that whatever taxi fleet policy you choose will provide a level of protection that can give you that complete peace of mind you’re after.
So, what are you waiting for? All you have to do to get started is speak to a member of the Howden team, either in branch, over the phone or via our website!
How much does fleet insurance cost?
The cost of fleet insurance in the UK can vary significantly, mainly because insurance companies take into account a wide range of factors before determining the cost of a fleet insurance premium.
These factors are:
Number of vehicles in your fleet
The greater the size of your fleet, the greater the risk to the insurer.
Types of vehicles
How secure or value all your vehicles are can affect the price of a policy.
Drivers' ages and driving histories
Less experience driving and higher-risk drivers could be susceptible to pricier policies.
The level of coverage required
Whether you opt for a comprehensive, third-party, fire and theft or third-party level of cover will impact policy premiums.
Location of your business
Policy premiums can naturally vary geographically.
How your fleet business falls under each of these categories will determine how much your fleet insurance costs. It will also determine ways that you could make your fleet insurance cheaper, whether that's opting for a particular level of coverage, or perhaps making your entire fleet more secure.
A good way to explore how different policies cost different prices is to speak to an insurance broker, such as Howden. Our team can help you find a comprehensive policy, that can provide adequate cover for all your vehicles, within the parameters of a budget that you set.
How to get a fleet insurance policy
Getting a fleet insurance quote doesn’t need to be complicated or stressful. To start off with getting a fleet insurance quotes, all you need to do is give us a call on 01993 221 922, and get put in touch with a member of our specialist business vehicle team. Alternatively, you can click the ‘Get a quote’ button either at the top or the bottom of this page.
Once you’ve reached out to us, we’ll ask you for some key information about yourself, all necessary so that we can help you find a fleet policy that not only ticks all your boxes, but also doesn’t exceed your budget limitations.
We’ll get some quote options over to you, and then it’s up to you to decide which cover suits you and your fleet business best.
How many vehicles count as a fleet for fleet insurance policies?
Many fleet insurance providers have differing views how many vehicles make up a fleet, with some saying more vehicles are needed in order to be regarded as a fleet than others.
However, whilst it can depend, typically, many businesses would be able to get a fleet policies from an insurer if they have two or more vehicles. Some providers would require your business to have five vehicles though in order to be eligible for fleet cover.
As well as that, many providers differ in terms of the maximum number of vehicles they’ll come a fleet policy. Some mini fleet insurance providers will cover a maximum of fifteen vehicles, whereas others will supply cover for large fleets, comprising of hundreds of business vehicles.
With all of this in mind, it’s vitally important that you compare various option from different providers before you buy a fleet policy. Our team can help you with this, doing the heavy lifting for you and scouring our motor insurance database to help you find fleet insurance that can cover all your business motors, whether you only have a few, or hundreds that need covering.
Does fleet insurance affect personal insurance?
Having a fleet insurance policy and making a claim will most likely affect your personal car insurance, mainly because you’ll have to make your car insurance provider aware of the vehicle fleet insurance policy you have and the claims you made.
You would need to notify your insurer about any accidents you've been a part of during the specific time frame for which they are seeking information too. This is because insurers need access to accurate information to price your policy accordingly. With that in mind, you might expect having a fleet insurance policy to impact how much your personal car insurance premium will cost too.
However, to get the most clarity possible around the impact of having a fleet insurance policy on your personal car insurance policy, we recommend speaking to an insurance broker or professional.
Can anyone drive on fleet insurance?
Typically, with most insurer’s, they’ll allow anyone that has a driving license to drive and be covered under their fleet insurance policy. Fleet cover is usually provided on a basis that any authorised driver is able to drive under the policy, belongs as they have the permission of the policyholder and the vehicle owner.
Nevertheless, discounts could be accessible with some insurers if you opt to limit driving to either named drivers exclusively or any driver, with the limitation of a specific age.
When you browse fleet insurance options, it’s important that you read policy terms and conditions thoroughly to ensure you have 100% clarity around who is and isn’t able to drive whilst being covered.
Get in touch
Try us out and see how we can help save money and make finding the right insurance cover that little bit easier for you.