Cheap Car Auto Insurance Quotes

Before I spoke to my local insurance broker, I had never heard of a mini fleet policy, I thought they only came in the ‘fleet’ variety and that they were for big companies with plenty of vehicles. So my health and safety inspectors could get to inspections and meetings, the company owned four cars, but I never thought of using a fleet policy to save money.

I used a new broker to renew my professional indemnity, public liability and employer’s liability, and while I was doing this I was told I qualified for an annual insurance assessment. My broker and I had a meeting to deduce whether I was paying too much and whether I was properly covered.

My first meeting was just 6 months after I had renewed my liability policies. I was looking forward to the meeting; mainly because I was hoping that he would identify an opportunity where I could save money.

Our weekly progress meeting meant that all my team were in the office that day, meaning my insurance broker saw the four company cars lined up. Upon entering, he enquired as to whether the four cars were owned by the company, and if we had any more. After I informed him they were the only company cars, he asked whether I was using a fleet policy to insure them, which I wasn’t. He then told me he could save me money straight away.

We settled down to our meeting and he went on to explain that by combining all my individual car insurance policies onto one fleet policy, I could save a considerable amount on my insurance premiums. He told me that fleet policies include mini-fleets, which is defined as a fleet of 3 or more vehicles.

I am very glad that I had my meeting with my insurance broker and now I regularly ring him to check that I am not paying more than I have to. I couldn’t believe that no one had taken the time out to advise me of this before. This just shows that you are not always better off searching for the cheapest insurance deal around. Sometimes invaluable advice from a local insurance broker can save you more money.

fleet insurance policy When using social networking sites, be careful who you tell you are going away, and who has viewing access to that message. Summer is the perfect time for a criminal, while most people are away, they see an empty house as an opportunity. d be supplied by your existing insurer.

Well done on your expanding business - you now qualify for a fleet insurance policy! Your broker will have negotiated a fleet rate for you, and although you no longer qualify for a “no claims bonus”, you renewal will be based on the claims you have made in the past year.

So are you looking forward to your insurance renewal? Will you be surprised to find a hefty increase on what you paid last year? You’re going to shop around aren’t you?

Shopping around can be hard work for both you and your broker, but it is a good idea to shop around because you are likely to make savings from year to year.

Planning at least six weeks in advance of your renewal is the only way of making the best savings. You also need to let your broker know that you need competitive quotes, and if he doesn’t comply, you should find another broker or get the quotes for yourself.

You need to do more than just give yourself six weeks though. Most insurers will need to know the details of your last three years’ claims. Make sure you know the amounts of each claim, and which event each amount is related to. If you were involved in a driving accident which wasn’t your fault, the insurers will need to know about the third party paying. You are entitled to and should gain this information from your existing insurer, who are legally obliged to give it to you.

If you are going to an alternative broker, he will need you to collate all of the details of your vehicles, make, model, where they are stored overnight and so on. You’ll need to collate the details of all of your drivers, age, sex, driving licence details, driving convictions, so get all your drivers to represent their driving licences so that you can check the information. Your existing broker should want to have the latest driver information from you in any case, so this is not going to be wasted effort.

Fleet insurance is very convenient for you in many ways. Your administration is simplified, but making sure you get the best deal at renewal is quite difficult.

The search for cheap insurance twice a year was already far too time consuming. Home Insurance fleet insurance Burglars often employ surveillance techniques before attempting any action. You’re going to shop around aren’t you?

Being the owner of four cars, I found insuring them all separately both time consuming and costly. I have recently spoken to an insurance broker who has informed me that under a fleet policy, I could save time and money. The fleet policy means I can have one policy for all my cars, meaning I only have to renew it once, saving me time and hassle. The single annual premium charge has also worked out far cheaper than insuring all the cars under separate policies.

My original car was small, and was only used to transport me from A to B. I bought it after having to ride my bike to work, and although I loved it, it was impractical because I lived at the top of the hill, and I couldn’t drive up in snow.

As a result of frustration at being snowed in I bought a four-wheel drive. Although this is a brilliant car, I couldn’t sell my old one, and still use it for small tasks such as trips to the supermarket. However, I began to realise that the search for two cheap insurance policies was too time consuming.

After the other two vehicles, I bought a van for work. When I had to insure it, I consulted an insurance broker, and he surprised me by saying that fleet insurance does not only cater for companies with hundreds of vehicles, but that I could take out a policy with my three vehicles. It also was not a problem that my vehicles were different types, apparently you can mix and match your vehicles and insure them under the same policy. Also, alongside this policy I got a discounted price on my RAC breakdown cover.

After my wife began driving, I was shocked and pleased to be told that her car could also be added to my fleet insurance policy. I cannot imagine how difficult and time consuming it would be to find four separate policies. You should speak to your local broker if your household has three or more vehicles but fewer drivers than cars, and they will be able to arrange a fleet policy, meaning you could save both time and money.

Fleet Insurance fleet insurance It’s not just as simple as giving yourself six weeks though. Now I’m making sure the kids have the right insurance on their vehicles. I quite enjoyed our frequent picnics in the truck whilst waiting for the RAC by the road.