As a car lover, you are likely to have more than one vehicle in your garage. But are you aware of the fact that you might be able to insure those vehicles more cost effectively by insuring them all under one motor fleet insurance policy? Many motorists assume motor fleet insurance is only suitable for businesses, but in actual fact anyone who owns three or more cars registered to the same address can take out this kind of policy, whether they are private individuals or small businesses. Another misconception is that you need multiple cars or vans to apply for fleet insurance, Eamonn Turley spokesperson for MultiQuoteTime explained that small fleet insurance is available for any business with 3 or more vehicles. Taking out a fleet insurance policy is not always cheaper than taking out individual polices, so compare fleet insurance options before making a final decisions.
A Good Price
One of the most important things that you should look for in your motor fleet insurance policy is a good price. It can be easy to overpay for things like this if you don`t spend the time comparing prices online beforehand. The good news is that you can get a better deal on your fleet insurance at quotezone.co.uk, which can help you compare quotes from a wide range of providers in a matter of minutes.
The Level of Cover
As with ordinary car insurance, there`s various levels of cover when looking for insurance that you can select, and it is important to decide whether a third party only, fully-comprehensive or TPFT is the right option for your fleet of motors.
The comprehensive option is sometimes a little more expensive, but it does give you the most comprehensive coverage so is definitely worth considering.
Extras
Another thing that you should be on the lookout for when you are choosing your motor fleet insurance policy is the optional extras.
Some of the most important extras to look out for include breakdown cover, windscreen cover and legal cover. Take a look at what is on offer and evaluate the price of it on your policy.
Things That Aren`t Covered
Finally, you should make sure that you are looking out for anything that is not covered by your motor fleet insurance policy. There are some things that you might not realise are left out and this could cause issues when it is time to claim.
Some of the things that you won`t be covered for include theft by deception and theft from an unattended vehicle. Read the terms and conditions carefully to ensure you have the right policy.
Final Thoughts
If you are planning on taking out a motor fleet insurance policy then you should make sure that you are looking out for everything that we have discussed. Read the terms and conditions carefully and don`t forget to compare prices.
