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How does Commercial Taxi Fleet Insurance work?

Fleet Insurance

Whether you have a fleet of taxis, minibuses, motorbikes, vans or HGVs, it can be a complicated procedure to get them insured individually. Ideally, you should try and get one policy that will cover the entire fleet, making the whole coverage a lot easier to manage.

That’s why you should choose taxi fleet insurance, a single policy that will insure more than 3 vehicles at once.

Why should I choose Commercial Taxi Fleet Insurance?

Whether you are a taxi firm who own a selection of different cars and minibuses, a delivery company with vans or a haulage company with HGVs, fleet insurance is the perfect solution to get them all covered at once. It saves time, money and cuts down on paperwork as you only have one policy to renew on an annual basis.

What is commercial fleet insurance?

Just like regular vehicle insurance, commercial fleet insurance is also split into comprehensive cover, third party fire & theft, and third party only.  This means you can choose the coverage that is right for you, and protect multiple vehicles (more than 3) in the process.

Comprehensive provides complete safety for your fleet, whilst third party fire & theft and third party only will cover claims made against you, as well as fire & theft of your vehicles if that is required.

How does it work?

Whilst a regular insurance quote will look at you as an individual driver, a fleet insurance quote may assess your business as a whole, taking into account the driving history and previous claims made by your drivers.

In addition, you will be able to choose between covering anyone who has a UK driving licence to be able to drive your fleet of vehicles, or name your drivers individually. If you choose to have anyone with a UK driving licence insured, then it also means your drivers can switch cars if necessary, depending on the needs of the business.

On the other hand, the ability to name your drivers can also work in your favour, as it might be that all of your drivers are above a certain age and have a certain amount of years of driving experience. The safer and more experienced your drivers, the cheaper your fleet insurance will be.

Advantages of Commercial fleet insurance

Covers multiple vehicles at once (more than 3)

One policy for multiple vehicles rather than one for each vehicle

Assessment goes against your business

You have the option for anyone with a UK driving licence to drive, which means your drivers can switch vehicles if and when required

If you would like to make an enquiry about getting a commercial fleet insurance quote with Patons Insurance, get in touch with our expert team today for more information.

All information is correct at time of publication. Information provided within this article may have changed over time. No responsibility for its accuracy or correctness is assumed by John Patons Insurance Services or any of its employees.