Fleet insurance is helping many companies that own a number of
vehicles save money on their policy. This type of policy comes with a
host of advantages from placing all vehicles under one policy to having
one premium to pay and helping keep your costs as low as possible.
There
are many companies providing this type of policy, some will only accept
three to five or more vehicles, while others will give you the ability
to take advantage of this cover with as little as two vehicles.
Ideally,
as a company, you want to find the best level of cover at the lowest
possible price, which is why it's imperative you shop around.
Don't
go for the first good deal you see, it's a better option to get a
minimum of three quotes. Getting three quotes is easy; you can ask each
company to email through their suggested quote, giving you something in
black and white to work with. This also gives you control in choosing
the best business fleet insurance to meet your company needs.
Once
you receive the quotes, you can start doing some essential research on
each of the companies. To find the companies you can search online or
you can ask other companies in your local area that they use for their
policy and their experiences.
What you are looking for when you
search online is the company's reputation and how other customers feel
about their experience. Remember you are purchasing business fleet
insurance, so you can't take any chances when it comes to the safety and
protection of your vehicles on the road.
Going through the online
reviews and reading through the forums, may give you the ability to
narrow down your list. You may find one of the companies doesn't have
the best reviews and therefore should be omitted from your selection.
Once
you've done all your research, it's time to review each of the quotes.
Reviewing the quotes gives you the ability to ensure that they are
offering the best level of cover to suit your company requirements.
Go
through each one individually checking to see what cover they offer.
Remember in some cases when you ask for an online quote, you will be
offered the most basic cover, which can be third party rather than
comprehensive. If you find anything on the quote you feel is wrong,
contact the company and get them to readjust the price accordingly.
Asking
the company to do some minor amendments to the policy quote is a chance
for you to determine their flexibility, as you will probably be adding
and removing vehicles throughout the policy.
When you have the
correct figures in front of you for each of the companies, you can
compare them against each other. Ensure you take everything you have
learned about each of them into consideration and remember when it comes
to business fleet insurance; the cheaper price isn't always the best
option. You may find one of the companies offers a fast claims process
and are dedicated to their customers, but they may charge slightly more.
Be
sure to phone each of them and ask them about their claims process. The
claims process is exceptionally important when it comes to business
fleet insurance, as you cannot afford to have a vehicle off the road for
a long period of time.
When you feel you have one company that
stands out and is offering superior business fleet insurance without
breaking the bank, they are professional, knowledgeable, and flexible
and they have a fast claims process, then sign on the dotted line and
enjoy the peace of mind that you have good cover for all your vehicles
on the road.
