Motor Fleet Insurance
Whether your company owns a fleet of the same vehicles, or a variety of different wheels, GoSkippy 4 Business are ready and waiting to get you the cover your business needs.
Save time, money, and hassle by calling us today on 0344 776 9390.
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What is Motor Fleet Insurance?
Motor Fleet Insurance is a type of commercial motor vehicle insurance that covers a range of work vehicles, including motorbikes, cars, and vans, all on one policy.
It makes managing your work vehicles easier on one policy, rather than taking out separate policies for each vehicle in the fleet particularly if you need flexibility when it comes to drivers if you have a fluid workforce.
If one of your work vehicles is stolen or involved in an accident, your Motor Fleet Insurance will help minimise the disruption to your business.
The three levels of Motor Fleet Insurance
As with standard motor insurance, the minimum cover you need (by law) is third party only. However, you can increase this level of cover if you want greater peace of mind:
This includes the cover you’d receive with TPFT, with added protection for your own vehicles if you’re involved in a collision that’s your fault.
The same as TPO, but with cover for your vehicles if they’re stolen or damaged by fire.
Covers any damage you cause to other people and their property. It doesn’t cover repairs to your own vehicles.
Types of Motor Fleet Insurance
Once you’ve selected the level of cover needed, we’ll help you to decide the right type of insurance for your business.
There are two choices:
This includes the cover you’d receive with TPFT, with added protection for your own vehicles if you’re involved in a collision that’s your fault.
The same as TPO, but with cover for your vehicles if they’re stolen or damaged by fire.
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Motor Fleet optional extras
As a broker, we can recommend policies from the most suitable providers for your business needs.We’ll also make sure you’re not paying for cover you don’t need and can give you expert advice on the products we offer.There are optional extras we can add to tailor your Motor Fleet Insurance to your exact needs, including*:
Employers’ Liability Cover
If you employ anyone with your courier business, you’ll need employers’ liability insurance. It’s a legal requirement, even if your employee is just a friend helping on a temporary or casual basis.
Goods in Transit Cover
If the items you’re delivering are lost, damaged, or stolen while in your possession, you’re potentially liable.
Key Cover
This protects you if your vehicle keys have been lost, stolen or broken. If you’re stranded away from home by the loss of your keys and have no access to your vehicle you’ll get £75.00 per day inclusive of VAT for vehicle hire, for up to 3 days.
Who needs Motor Fleet Insurance?
If you own a van, under the Road Traffic Act, if it is not declared SORN, then you need a valid insurance policy to drive it, the minimum being ‘Third Party Only’. If you use a van to make a living, it’s commercial van insurance you’re after. This could be for travelling to different work locations with a van full of tools, goods, or materials for business purposes.
Why use GoSkippy 4 Business?
We are an insurance broker set up to bring you first class insurance at the most competitive prices we can find.
We search a range of market-leading insurers to find you the best deal. Please note, the cheapest way to get a quote from us is online.
We’re an established UK broker
Affordable price
Quality cover
Top customer service
Motor Fleet Insurance
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