What is Any Driver Fleet Insurance?
Any driver fleet insurance is a type of commercial vehicle insurance that covers a group of vehicles and drivers under a single policy.
The key feature of this policy is that it allows any listed driver, to drive any of the vehicles covered. Typically, a driver will have to be assigned to a vehicle.
This can be beneficial for businesses that have multiple drivers or use a variety of vehicles. Any driver fleet insurance can cover a range of business fleet vehicles, including cars, vans and HGVs.
With an any driver fleet insurance policy, businesses can save time, improve productivity, and ensure that their drivers are adequately covered.
How our process works
We’ve worked hard to refine our process and keep it as quick, easy and simple as possible for our customers.
Are There Any Driver Restrictions?
There can be driver restrictions for any driver fleet insurance policies.
- Age limits: Some insurance companies may have minimum or maximum age requirements for any driver named on the policy. For instance, drivers may have to be over 25.
- Experience requirements: Insurers may require any driver named on the policy to have a certain level of driving experience. For example, a minimum number of years of driving experience or a clean driving record.
- Licence restrictions: Any driver named on the policy must hold a valid driver’s licence and any relevant professional licence to operate the vehicle. In some cases, insurers may have additional requirements or restrictions for drivers with certain types of licences, such as provisional licences.
- Vehicle restrictions: The policy may have restrictions on the types of vehicles that are covered. For example, limitations on the size or weight of the vehicle.
What Responsibility Does The Business Have?
A fleet operator with an any driver fleet insurance policy has the responsibility to ensure that all drivers are appropriately licenced, trained and qualified. On top on this, the business is responsible for good working order of the vehicles to ensure their complete safety and road worthiness.
In the event of an accident, the business is responsible for reporting the incident to their insurer complete with full details of the accident, the vehicle involved and the driver.
It’s also important for the business to establish a clear policy for their drivers and communicate it effectively to ensure that they understand their responsibilities and the expectations of the company. This policy should include information on safe driving practices, vehicle maintenance, and accident reporting procedures.
It’s recommended that businesses work with an insurance professional to ensure that their fleet insurance policy meets their specific needs and provides adequate cover for their vehicle fleets.
Who Should Have An Any Driver Fleet Policy?
Any driver fleet insurance is typically most suitable for businesses where drivers are changing frequently. These include:
- Delivery or courier companies: Flexible driver covers a range of vehicles, including vans and trucks, which can be used to transport goods and packages.
- Haulage companies: For companies that transport goods across the country, any driver policies can provide cover for their fleet of trucks and drivers.
- Car rental companies: This type of policy is ideal for rental companies. You will still be required to take details of the renting driver though.
- Construction or trades businesses: Any driver policies can benefit trades business especially where a contractor travels between multiple sites.
- Taxi or private hire companies: Any driver fleet insurance can be tailored to insure a fleet of taxis where drivers change regularly.
- Companies in general: Your typical company can also benefit from an any driver policy. Company fleet insurance can be used by estate agents and alike for example.
Any driver policies are not suitable for all types of fleet though. We can connect you with specialist brokers who will help you fully understand your risk and provide a quote to cater for it.
Any Driver Insurance vs. Named Driver Policies
The key difference between any driver insurance and named driver policies is who is covered to drive the vehicles.
Any driver fleet insurance policies allow any driver named on the policy to operate any of the vehicles covered under the policy, without requiring the policyholder to specify which drivers will be operating each vehicle. This can be beneficial for businesses that have a large number of drivers who need to use a variety of vehicles, as it simplifies the insurance process and reduces administrative costs.
Named driver policies, on the other hand, only cover specific drivers named on the policy to operate the vehicles covered. This type of policy is typically used for personal vehicles, where the policyholder may want to restrict who can drive the vehicle for safety or cost reasons.
While any driver insurance policies provide more flexibility for businesses, they may also be more expensive than named driver motor fleet insurance policies, as they provide coverage for a wider range of drivers. Named driver policies, on the other hand, may be less expensive, but they provide less flexibility and can be more restrictive.
You should evaluate your specific needs to determine which type of policy is the best fit for your situation.
How Does An Any Named Driver Fleet Policy Improve Efficiency?
- Flexibility: An any driver policy allows any driver named on the policy to drive any of the vehicles covered under the policy, without requiring the policyholder to specify which drivers will be operating each vehicle. This can be beneficial for businesses with a large number of drivers who need to use a variety of vehicles.
- Time-saving: An any driver policy can save time and effort for businesses, as it eliminates the need for the policyholder to provide advance notice to their insurance company each time a new driver needs to be added to the policy. This can be particularly beneficial for businesses that have high driver turnover or frequently hire new drivers.
- Cost-saving: Any driver fleet insurance can potentially reduce costs for businesses, as it can eliminate the need for multiple insurance policies and reduce administrative expenses associated with managing a large number of named driver policies.
- Improved productivity: Any driver fleet insurance can improve productivity for businesses by allowing their drivers to operate any vehicle covered under the policy without requiring additional insurance cover. This can reduce the need to switch vehicles or wait for a specific driver to become available, resulting in improved operational efficiency.
