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.

Commercial Fleet Insurance: need to knows

We really enjoy the contact we have with our customers and potential customers.

It’s all about providing advice and guidance and on that basis, we’ve tried below to list a few important points you might need to be aware of in the domain of commercial fleet insurance.

We hope you find them useful!

Fleet policies exist

If you have three or more commercial vehicles in your fleet, then we may be able to offer a fleet insurance policy.

Why would this interest you? There are two main reasons:

  • as with just about any bulk purchasing, this might prove to be more cost-effective for you than taking out say three individual policies;
  • you should be able to save time, due to having only one policy to think about in admin terms – renewal dates being the most obvious example.

Any driver cover is typically available

This can be a big help because it means you don’t have to worry driver by driver.

Do please note though that this is based upon the concept of “suitably qualified driver”. It means that the policy will define certain minimum age and licence type qualifications that must be adhered to. It may also define special conditions or exclusions for drivers who have certain types of motoring conviction.

We can help you to understand the ins and outs of all that!

Wide range of vehicles covered

The policies we provide can typically cover just about any vehicle defined as being commercial.

Of course, there might be some very special and unusual vehicle exceptions. We’d discuss those with you on a case by case basis but such issues are rare in our experience.

Overall Claims Rated and variable excess available

You’ll no doubt be pleased to know that our commercial fleet insurance policies:

  • typically offer a variable excess. What that means is that you can opt to pay a higher amount towards the costs of any future claim in return for a reduced premium (price). There will usually be a compulsory minimum excess with the policy, as per normal practice;
  • you’ll also typically have your premiums determined on the total claims experience of the total number of vehicles insured rather than a no claims discount. This means that if you don’t make claims within a year, your premium for the next year typically will be reduced by a sliding-scale discount (up to a specified maximum amount). This rewards sensible and conservative driving.

Our expertise on tap

Please forgive us blowing our own trumpet but we at Alan Blunden Insurance Brokers have been providing insurance policies in this area of the market since 1946 or thereabouts. What that means is that we know commercial fleet insurance inside-out.

All that expertise will be brought to bear to find you a suitable and cost-effective solution. That experience is something that just can’t be obtained from reading a book and it’s all at your disposal!

So, why not contact us to discuss your commercial fleet insurance requirements?

Commercial fleet insurance

A recent survey conducted by the online magazine for the freight industry, Commercial Fleet, reveals that:

  • nearly 70% of respondents reported an increase in their insurance premiums;
  • 20% or so said that they had gone down; and,
  • the remainder believed they had stayed more or less the same.

At Alan Blunden Fleet Insurance Brokers our aim is to make sure that you get the most comprehensive fleet insurance protection for your business, whilst still being cost-effective.

Here’s how we help businesses save money on their fleet insurance costs …

Benefits of fleet insurance

Businesses who are running three or more vehicles as part of their day to day operations are already likely to know the cost savings to be made by arranging fleet insurance – a single policy that covers all of their vehicles – compared to separate insurance for each vehicle in turn.

Those savings are based on the fact that:

  • insurers are happy to grant discounts to customers buying cover for more than one vehicle at a time; and
  • there are administrative savings to be made if you no longer have to track renewal dates for each individual vehicle – dates which are likely to be spread throughout the year and might be all too easy, and expensive, to miss.

Chasing still greater savings

If you are looking to make savings on the cost of keeping your business vehicles properly insured, however, the story does not just end with fleet insurance – there are additional ways to cut costs too:

Specialist brokers

  • a specialist broker of fleet insurance – such as ourselves – is likely to understand that no two businesses are alike and to appreciate the specific needs and requirements of your particular operation;
  • not only that, but our knowledge and experience of the wider insurance market, also allows us to match your needs and requirements with the insurance products available – and especially those which represent especially good value for money, so saving you the cost of getting things wrong;


  • insurers are, of course, only prepared to cover drivers who hold the appropriate category of licence for the vehicle you have asked them to drive;
  • even where they are qualified to driver, however, some insurers attach restrictions – or increase premiums – for drivers below a certain age;
  • the policies we arrange here at Alan Blunden, however, extend cover to any suitably qualified driver, whatever their age – helping to ensure that you pay no more than is necessary for the insurance cover you need;


  • some insurers may also impose a total annual mileage limit on your vehicle fleet – with penalties to pay if you exceed that limit;
  • you may save further money, therefore, by purchasing your fleet insurance at Alan Blunden, where the policies we provide come with unlimited mileage allowances;


  • a conventional way of saving on the cost of insurance premiums is to shoulder more of the risks yourself by agreeing to an additional voluntary excess;
  • you may still make that decision with respect to fleet insurance, lowering the price you pay in premiums in return for agreeing to a greater excess.

No claims discounts

  • just as with other forms of motor insurance, business fleet insurance also earns you valuable discounts if you make no claims during the course of the year.

Whether or not you are one of those operators who has noticed an increase in your fleet insurance premiums this year, there are still further savings you may be able to make on those costs. Why not get in touch today?