Commercial Fleet Insurance – Your FAQs answered

At Alan Blunden & Co, there’s nothing we love more than speaking with our customers and potential customers.

Even so, we recognise that at the outset some people prefer dealing impersonally and seeing as many facts and figures as possible on our website before deciding whether or not to make a call. That’s why we try to answer as many questions as we can in advance.

To help, here is another in our series of “Frequently Asked Questions” blogs – this one on the subject of commercial fleet insurance.

What vehicles can you provide cover for?

Broadly speaking, almost any form of commercial vehicle. That might range from say an HGV tractor unit down to a director’s car if it’s considered by the business to be a company asset.

We typically don’t differentiate by type of vehicle as such.

Does that mean you can cover any sort of fleet?

No, not quite – though that isn’t really a question of the type of vehicle but more the purpose the fleet is being used for.

For example, we typically don’t cover:

  • taxi fleets;
  • courier services fleets;
  • chauffeur services vehicles;
  • family fleets (i.e. a family that owns and uses several vehicles for their own purposes).

There are a number of reasons for that which are a little detailed to cover here. Please call us if you’d like to know more or to clarify whether your fleet might be included in the above list.

Do please remember though that these are only a tiny percentage of fleet requirements. We can and do cover the vast majority of fleets discussed with us.

To be clear – can you cover fleets that are a mixture of lorries and cars?

Yes, absolutely – though naturally we would need to discuss the specifics with you.

What is your approach to young drivers?

The law in the UK has strict requirements for licence qualifications and the vehicles that may or may not be driven under them.

Providing a younger driver has the appropriate licence qualification for the vehicles he or she is driving, we will typically be able to provide cover. We don’t have a threshold of the “no drivers under 25” sort that you may see elsewhere.

Is the age of the driver irrelevant then?


Just as you would expect, typically if you include young and inexperienced drivers on your policy, even if they have the appropriate licence qualifications, it may increase your premium.

Will you be able to cover vehicles leaving the UK?

Yes, absolutely no problem.

If you’re planning to go outside of the EU though, please speak to us, as special conditions might apply.

What options are included as standard or discretionary?

There are many variables here including things such as:

  • windscreen replacement;
  • accidental damage;
  • replacement vehicles; etc.

To discuss in detail, we’d need to understand your exact requirements and views.

How many miles are included in your policies?

We can provide unlimited mileage policies – this is a potentially HUGE advantage if you dislike counting miles and estimating accordingly.

Why should I consider commercial fleet insurance as opposed to ordinary individual policies?

There are two main reasons why we’d recommend you seriously consider commercial fleet insurance:

  • cost – it’s typically more cost-effective than individual vehicle policies;
  • ease of administration – most of us would prefer to deal with one policy provider and have one administrative focus (e.g. one annual renewal) rather than many. The time saved can be staggering!

Will you accept under risk, drivers with bad driving histories and motoring convictions?

In principle yes but we must point out:

We hope you found the above useful but please, don’t rely exclusively on reading our blogs. Please give us a call with any questions you might have.