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| Basic Fleet Insurance Management |
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| Written by Matt Withers |
| Monday, 04 April 2011 09:34 |
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Corporate entities such as companies, local councils and services often own and need to insure many vehicles at the same time, and this is what a fleet policy is for. A fleet insurance policy is a policy that is designed to by as flexible as possible, to meet the driving needs of a business as a whole. This means providing cover for various drivers, various kinds of vehicles and various applications. For Example: A large building firm may have a couple of cars for sales people, and various vans and trucks for the construction workers and their equipment. A fleet policy is flexible enough to cover all of these vehicles on one policy. Some private cars may also be added, provided they are owned by the directors or owners of the company itself. Previous Claims No claims discount is worked out in a different manner on a fleet policy compared with your private car policy. With so many cars being insured under the one policy, having a claim free year is much less likely than it would be on a single car policy, and if the fleet is big enough, nigh on impossible. Instead, there is the claims history or experience as it is sometimes known, for the whole fleet, and this is what the insurer will look at. Who can drive on a fleet policy? As mentioned above, fleet policies are designed to be flexible. Most insurers will offer the following options: * Any driver over 25 * Any driver over 30 * Any driver, any age * Named drivers only In the case of an "any driver" policy, the insurer means any driver who meets a particular set of criteria, such as having a clean licence and being claim free for a stated period. Managing a Fleet One of the major differences between running a fleet and a personal car is the issue of management, which ties in with insurance. Not all drivers will have clean driving licences or a claim free driving history, and in some of the more severe cases, an employee may choose to try and hide these details, as it could affect their job. However, this is precisely the information an insurer will check in the event of an incident, and they will expect you to have the information available upon request, so it is good practice to copy driving licences on a frequent basis and advise insurers of any changes. However, this is only half the story. Employees are covered under Employers' Liability Law, which is there to protect them if they are hurt during the course of carrying out company business. This includes time spent behind the wheel, so if an employee is involved in a road accident which results in injury, the company they work for can be held liable if the company has not correctly carried out it's duty of care towards the employee. The duty of care extends to checking a vehicle is safe and legal to drive on the public road, so it is good practice to keep records of this. Strangely, this even applies if the vehicle in question is the employee's own. About the Author: Learn more about fleet car insurance and other commercial vehicle insurance. Help, advice and quotes all available from www.quote-4.me.uk Kindly provided by LJ-Marketing.dk You are welcome to use this article on your own website, if you include the link just before this text. |
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