Food Trucks

The following are some of the frequently asked questions about getting cheap fleet insurance that you may also have in mind:

Q: How many vehicles can I have insured? A: Usually, there is no set limit as to the number of cars/vehicles that you can insure under a fleet policy. In fact, it is common to find policies that cover more than 500 vehicles. However, some companies impose a limit on the minimum number of vehicles to cover, which is usually three. A few insurers allow 2 cars. What is certain is that the more vehicles listed under a policy, the more expensive the total cost will be.

Q: Is the fleet type of policy applicable only for businesses? A: While the insurance cover is ideal for businesses that have multiple vehicles to insure, it is not exclusive for commercial purposes only. A lot of families and even individuals can take advantage of the benefits that the insurance offers.

Q: Are there restrictions on the kind of insurable vehicles? A: Practically all vehicle types other than a regular car can be covered under a fleet policy, and these include motorbikes, scooters, trucks, and vans. However, a classic or super car may require a specialized policy. This is due to the fact that such a car has a high value and its original parts can be hard to find.

Q: Can various vehicle types can be insured in one policy? A: Normally, insuring vehicles of different types under a single policy would not be an issue. If you are the owner of a taxi business, for instance, and you have mini-buses and mini-cabs in your fleet, then you can have all of them covered by the same policy, which will make things a lot more convenient for your company.

Q: What factors can affect policy cost? A: A number of key factors may affect the amount you have to shell out for your fleet insurance cover. These include: * The number of vehicles to cover * How you use the vehicles * The vehicle types * How secure the vehicles in your fleet are * The number of designated drivers * The value/cost of the vehicles * Where the fleet is stored

Q: What is the process of making a claim? A: The claim process is quite simple. Since the insurance company already has the pertinent information about all the insured vehicles, you only have to inform your provider which vehicle you need to file a claim for, as well as the details surrounding the claim.

Q: What special steps, if any, do I need to take when maintaining fleet insurance? A: First, you must make sure that the Motor Insurance Database in the UK has the latest information about all vehicles included in your fleet. A lot of businesses acquire and sell vehicles on a regular basis. Thus, as the owner of the policy, it is part of your responsibility to ensure that the MID is updated with the right information. If you fail to do so, your vehicles may be impounded and meted with insurance claims that you may or may not have any involvement.