Fleet Insurance

What is Fleet Insurance?

Instead of insuring your company vehicles individually, which can sometimes be very costly, Fleet Insurance is an insurance policy that covers a fleet of vehicles. 

Swinton fleet insurance could potentially save your business money, but it also gives you full flexibility and control when it comes to insuring your vehicles. Covering your fleet under one policy will save you a lot of time and give you more opportunity to concentrate on other important areas of your business.

How does Fleet Insurance work?

Businesses which have more than one vehicle may be able to get Fleet Insurance. With Fleet Insurance, you can often choose to add any driver to any vehicle listed on the policy. Alternatively, you may also be able to insure specific drivers to specific vehicles. Great if you have pool cars!

What does Fleet Insurance cover?

Depending on your individual circumstances and chosen cover level, a Fleet Insurance policy through Swinton may provide protection for:

• Loss or damage to your vehicles
• Vehicle recovery in the event of an accident or breakdown
• Legal fees
• Damage to the windows or windscreens
• Replacement locks should your keys be stolen
• Support towards medical expenses should you or a passenger sustain an injury in an accident in an insured vehicle
• Driving abroad, usually 90 days per year and 30 days per trip
• Cover for any personal belongings lost or damaged in an insured vehicle
• Trailers attached to a vehicle insured under the policy
• Use of a courtesy car while the insured vehicle is in for repair

Please note that all the benefits listed above are subject to the policy you choose through our specially selected and trusted insurers.

How much does Fleet Insurance cost?

The cost of Fleet Insurance depends on a number of factors that are unique to your business. These factors include:

• The number of vehicles in your fleet — The more vehicles you add to your Fleet Insurance policy, the more it will cost overall (although insuring a large quantity could mean you pay less per vehicle).
• Types of vehicles you’re insuring — High-value vehicles (such as HGVs) cost more to insure because of how much your insurer would need to pay out to cover its market value.  
• Your company claims history — If your business has made few or no claims in the previous few years, it could potentially help you get lower Fleet Insurance quotes.
• Your driver risk profile — The history of your drivers can also affect the overall price of your Fleet Insurance. A driver with points on their license, or who has made a high number of claims in the past, could make your whole Fleet Insurance policy more expensive.

What impacts the cost of Fleet Insurance?

• Employ drivers with good records — Drivers over the age of 25 with clean records may cost less to insure. That’s because they present a lower risk when compared with younger drivers or those with an extensive claims history
• Paying monthly could cost more in the long run than paying your premium upfront
• Adding or increasing your voluntary excess could potentially reduce your annual premium 
• Sending your drivers on a training course may help to make them aware of hazards and iron out any potentially unsafe habits. These courses might also help improve aspects of driving like fuel efficiency, driving in bad weather conditions, and hazard perception. This could potentially reduce the risk of having to make a claim. 
• We are able to offer a variety of cover levels which may suit your driver demographic
• Store your vehicles safely — Keeping your fleet stored in a secure facility at night, such as a garage or a CCTV-monitored car park, reduces the risk of theft, so insurers might give you a lower premium.
• Make use of technology — Installing dashboard cameras and telematics can help reduce your premiums by proving to insurers that your drivers are safe on the roads.