Fleet Van Insurance

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What is Fleet Van Insurance?

Van fleet insurance is a type of insurance policy designed for businesses that use multiple vans or other commercial vehicles as part of their operations.

The policy provides cover for all of the vehicles under a single policy, rather than insuring each vehicle separately.

Fleet van insurance cover works by providing cover for a fleet of vehicles used for business purposes, such as making deliveries, carriage of own goods or equipment or providing services to customers.

The policy typically covers a range of risks, including accidents, theft and damage to the vehicles or property. It may also include protection for liability claims arising from accidents involving the vans or their drivers as well as members of the public.

If you operate a hire and reward based fleet, then you may want to consider courier fleet insurance as this will be more tailored to the risks surrounding your business.

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‘Van fleet insurance is a very popular policy amongst all size operators. Regardless of your fleet size, the brokers we work with will help you understand your fleet risk and provide you with a tailored van fleet insurance quote to suit!’

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How Many Vans Do I Need For Multi Van Insurance?

The number of vans needed for fleet insurance can vary depending on the insurance provider and the specific needs of your business. Generally, a fleet is defined as a group of three or more commercial vehicles that are owned by the same company or individual and used for business purposes.

It’s important to note that not all businesses need multi van insurance. If you only have a small number of vehicles or use them infrequently, it may be more cost-effective to insure them individually.

To determine the best multi van insurance options for your fleet, it’s a good idea to speak with an experienced van fleet insurance broker. They can help you assess your needs and find an insurance policy that meets your specific requirements.

What Are The Benefits Of Multi Van Insurance?

There are several benefits of multi van insurance, including:

  • Cost savings: Insuring multiple vans under a single policy can be more cost-effective than insuring each vehicle individually.
  • Simplified administration: With fleet insurance, all vehicles are covered under a single policy, which can help to reduce paperwork.
  • Flexibility: Van fleet insurance policies can be customised to meet the specific needs of each business, with options for things like coverage and deductibles.
  • Comprehensive cover: Van fleet insurance typically provides comprehensive cover for a range of risks, including accidents, theft, and damage to vehicles or property.
  • Liability cover: Policies can also include liability cover for accidents involving the vans or their drivers, which can help protect businesses from costly legal claims.
  • Business continuity: In the event of an accident or other incident, insurance can help businesses quickly get their vehicles back on the road and minimise downtime.
  • Driver safety: Many insurance companies that offer van fleet insurance also provide resources to help businesses improve driver safety and reduce accidents, which can ultimately lower insurance costs and protect employees.

How Much Does Van Fleet Insurance Cost?

The cost of van fleet insurance will vary depending on the number of vans to insure, the type and value of the vehicles, driver history and the level of cover needed.

In general, fleet van policies can be more cost-effective than insuring each vehicle individually. The cost of van fleet insurance is typically based on the same factors that affect the cost of individual van insurance but spread out over multiple vehicles. This can result in a lower per-vehicle cost for insurance.

It’s also important to remember that the cheapest policy may not always be the best option. It’s important to consider the types of cover needed to adequately protect your vehicles and business and to choose an insurance provider with a strong reputation for customer service and claims handling.

When quoting, you will be able to pick from comprehensive to third party only cover and include things such as breakdown cover. All these things though will impact the cost.

What Is The Difference Between Commercial Van Insurance And Van Fleet Insurance?

Commercial van insurance and van fleet insurance are both insurance policies designed to provide cover for commercial vans used for business purposes. There are though some key differences.

Commercial van insurance typically provides cover for a single van while van fleet insurance provides cover for multiple vans.

With commercial van insurance, each vehicle is insured individually and the policy is tailored to the specific needs of that single vehicle. This can result in higher premiums and more admin work for businesses that have multiple vans.

Multi van insurance on the other hand, covers all of the vans under a single policy. This can be more cost-effective and efficient for businesses that use multiple vans for their operations.

Another key difference between the two types of insurance is the way premiums are calculated. Single van insurance premiums are typically based on factors such as the value of the vehicle, intended use and the history of the driver. Multiple van insurance premiums are based on similar factors but are spread out over the entire fleet of vehicles.

Can I Add Or Remove Vehicles From My Van Fleet Insurance Policy During The Policy Term?

In most cases it is possible to add or remove vehicles from your van fleet insurance policy during the policy term. However, the exact rules and procedures for doing so may vary depending on the insurance provider and the specific policy.

In general, adding a vehicle to a van fleet insurance policy is usually a straightforward process. The insurance provider will require information about the new vehicle such as its make, model, and VIN number, as well as information about any drivers who will be operating it.

Removing a vehicle from a policy can be a bit more complex. Insurance providers may have different rules about when and how vehicles can be removed. Some insurers may allow vehicles to be removed mid-term, while others may require the policyholder to wait until the policy renewal date.

It’s important to note that adding or removing vehicles from a van fleet insurance policy can affect the overall cost. Before making any changes to your policy, it’s a good idea to speak with a specialist broker to understand the potential impact on your cover and premiums.

Do I Need To Insure All Drivers On My Van Fleet Insurance Policy?

If you have a fleet van insurance policy, you may not necessarily need to insure all drivers within the business under the policy. However, it’s important to understand the rules and requirements of your specific policy and insurance provider.

In a way that is similar to an any driver policy, some van fleet insurance policies provide coverage for all drivers who are authorised to operate the vehicles covered under the policy. This means that you will not need to assign each driver to a vehicle for them to be covered.

Similarly, you might have some drivers who have convictions or don’t meet certain requirements that need to be insured separately. This can help keep costs down for your fleet policy.

Other policies may require you to list each driver on the policy and pay a premium for each one. In this case, it’s important to accurately disclose all drivers who will be operating the vehicles, as failure to do so could result in the policy being voided or claims being denied.

It’s also important to note that insurance providers may have specific rules and requirements for insuring drivers, such as minimum age and driving experience requirements.

Insurance is legally required so ensure you take time to get this right.

Frequently Asked Questions

The price of your policy is determined by your risk profile. This is primarily worked out from the number of vehicles you have, their use and your claim history.

If you maintain a good claims history, operate a named driver only fleet with all drivers over the age of 25 with few to no convictions. Then your chance of finding a cheap fleet van insurance increases.

Multi van insurance policies are completely tailorable and can include other types of vehicle if required. Every companies fleet is different as is its use. As a result of this, it is essential policies match your needs.

Yes, it is perfectly possible to insure any driver to drive any van within your fleet. It is however typically better though to opt for a named driver policy where all drivers are over 25 as this will generally mean a better chance of getting s cheap van fleet policy.

Fleet policies often work the same way as “bulk-buys” from shops. They offer cheaper prices based on the amount of vehicles in your possession. For this reason, looking to insure your van fleet under one single policy can also help save you a significant amount of money.

Most commonly, couriers, contractors, builders and alike are the most common people to require a van fleet policy but a fleet policy is available to anyone.

It is possible for one fleet insurance broker to provide you with cover for both your vehicles and your employees.

Sometimes this will take the form of two separate polices depending on the size of your fleet. If you have a small fleet, it is probable that these two policies will be combined. If though you have a large fleet, it is possible that they will be separate policies.

You should always speak with an advisor to understand exactly what is and is not covered.

It is not possible to get a fleet policy for 1 van. Fleet policies typically start at 2 vehicles and up.

If you just have 1 vehicle, we would suggest looking as van insurance or courier van insurance depending on the nature of your work.

If you insure your single van through a commercial broker though, when purchasing a second vehicle, it is often the case that the broker will be able to work with you in changing your policy if you stick with them. Fee’s may apply but there is usually a solution available.

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