Motor Fleet Insurance

No matter what your business does, if you have 2 or more vehicles we can offer a motor fleet insurance policy tailored to your needs.

We offer quick quotation turn-around times and have access to all of the big insurers in the UK along with the niche insurers that specialise in certain fleet occupations and vehicle types.

Here at Ignite we have many years experience dealing with Fleet Insurance and use this expertise to place your cover with the right insurer at the right price. If you have a distressed fleet with bad claims experience we are also experts at implementing risk improvements into your business to help reduce claim costs and frequencies.

Some of our panel insurers can offer discounted rates on vehicle cameras and tracking devices to monitor your fleet from the comfort of your desk, 24/7.

For the waste & recycling and heavy haulage industry we can offer environmental liability in case of spillage and third party tipping risks.

We offer an easy instalment plan (Subject to interest and handled by a third party finance provider).

Our motor fleet insurance policies can cover:

Any driver policies or restricted to any driver over 25 etc

All covers i.e Fully Comprehensive, Third Party Fire & Theft or Third Party Only including a mixture of all 3 if required

Normal business use through to haulage/courier use

New start ups

Compulsory excess’s as standard and the added option of increasing the excess for premium discounts

Claims help via our legal protection company and also our own in-house account handlers

EU cover can be included

All types of vehicles covered from HGV’s/Refrigerated vehicles to high performance/prestige.

Vehicle information uploaded to the Motor Insurers Database (MID) as standard

Get a Motor Fleet Insurance Quote From Ignite Insurance Brokers

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Step 1: Complete the form

Submit the details of your insurance requirements

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Step 2: Get a quote

We will get back to you with a confirmed quotation

Step 3: Confirmation

We will contact you to arrange cover if you wish to proceed

Please enter your insurance requirements

Motor Fleet Insurance Tips

We have put together some tips on how you can help with insurance premiums when buying fleet insurance, some of which most people are unaware of but can make a massive difference and help with your Fleet Insurance spend.

Firstly, is to ensure the postcode of where your vehicles are parked overnight is correctly input. You may well have a trading address which is fine for correspondence but if the vehicles are not parked there overnight then make sure you declare the overnight parking postcode for each vehicle. This tip alone can sometimes make huge savings. Trading address’s tend to be in more populated and busy areas that carry a higher insurance rating and home address’s not so much, so this can help to reduce premiums for you as the insurer is then aware of the lower rated area.

Another good tip for your fleet of vehicles is to have good risk management procedures in place. Insurers now tend to favour clients that are taking a pro-active approach to managing their risk. This can include vehicle cameras, trackers and driver training. This strategy helps to minimise claim costs and speed up the overall claim process which all help to reduce claim costs. Insurers are like any other business in that they are there to make a profit so if they can identify clients that are taking this kind of approach, they are more inclined to offer a better rate.

Report claims immediately or as soon as is reasonably possible. Not only is this a condition of your policy but motor claims are massively expensive and the costs start as soon as the accident does. Vehicles have to be towed away and then repaired/replaced, injuries seen too and compensated for, hire cars arranged and solicitors fees paid. These all leads to huge costs so the quicker you report to your insurer, the quicker they can begin and end the process. As a fleet insurance policyholder, you will want the claim costs to be as little as possible as these will reflect on your ‘Confirmed Claims Experience’ or CCE for short. The CCE is one of the main factors a fleet insurer will take into consideration when they are underwriting (Pricing) your policy. The lower the claim costs and the lower the claims frequency (Number of claims) the better.

Lastly is the driving restriction. If most of your drivers are aged 25 years or over but you have 1 driver that’s 23 years old, instead of having any driver over 23 which would then apply to all of the vehicles and increase the overall cost, you can still have the any driver over 25 option but ‘name’ the 23 year old on and perhaps restrict him to 1 or 2 vehicles. This is the more economical way of adding a young driver.