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Motor fleet insurance is a type of commercial insurance policy designed to cover multiple vehicles under a single contract.
It’s typically used by businesses that operate a fleet of vehicles, like delivery services, transportation companies, or large corporations with company cars.
However, any business that uses two or more vehicles could benefit from a motor fleet insurance policy.
Rather than insuring each vehicle separately, motor fleet insurance insures multiple vehicles under one bespoke policy – it’s a simple and cost-effective solution.
Any business that owns two or more vehicles should have a motor fleet insurance policy.
It doesn’t matter whether you’re insuring lots of the same vehicle or a mix of vehicles – from vans and cars to lorries and specialist vehicles – they can all be covered under one comprehensive, tailored policy.
Here are a few examples of industries that may need motor fleet Insurance:
Motor fleet insurance is not just convenient; it’s a smart solution for insuring multiple business vehicles.
Let’s find out why:
At JCL, we tailor our insurance packages to your individual needs.
We analyse the specific requirements you have and the risks you may face, and curate a policy that protects you should the worst happen.
JCL Motor Fleet Insurance can cover the following:
This is the minimum legal cover needed by those working in the motor trade who drives vehicles they don’t own
Provides cover when a third party is injured or their property is damaged due to the business’ actions. It covers the costs as well as any related legal expenses.
This is compulsory for all employers’, covering injury to employees.
Provides cover for any vehicle that is your property or a customer’s vehicle in your trust.
Provides cover for buildings used as a business premise.
Covers the cost of repair or replacement of your business’ tools and equipment if they’re lost, stolen or damaged.
The JCL Insurance Brokers Claims App helps to quickly and easily report claims at the scene of the incident. Use the app to gather data as quickly as possible, which will be passed directly to our team who will act swiftly to handle your claim.
Available to download on IOS and Android.
Alternatively, you can call and speak to our team – we will
be happy to guide you through the claims process.
Motor fleet insurance is a type of insurance policy that covers multiple vehicles under a single plan with one renewal date.
The number of vehicles required for a motor fleet insurance policy varies among insurers. Some providers offer fleet coverage for businesses with as few as two vehicles, while others may set the threshold slightly higher.
With a motor fleet insurance policy, the vehicles are insured rather than the individual drivers, which gives flexibility over who can drive the vehicles. Drivers can be named on the policy if needed, for example, if they are younger than the driver age restriction for the vehicle.
Some insurers set minimum age requirements for drivers under motor fleet insurance policies. Typically, drivers must be at least 21 or 25-years-old to be automatically covered. If you employ younger drivers, they may be able to get cover as a named driver, depending on the vehicle.
Motor fleet insurance can be used to cover a wide range of business vehicles, including cars, vans, trucks, minibuses, and more specialist vehicles like farm vehicles and construction equipment.
Yes, many insurers allow you to assign varying levels of coverage to different vehicles within the same policy.
“With a fleet of over 500 vehicles, we know we can rely on the JCL app to report and document all the information required. The app is seamless for our drivers’ reporting incidents, it guides them through the process of obtaining the information including location, data and images..”
Director, Barlows UK Ltd
