Compare Fleet Insurance

Sometimes, it’s not necessarily easy to draw comparisons between one policy and another.

However, with vans accounting for more than a fifth of all traffic on UK roads, there is little doubt that many will be fleet vans and that means that there will be lots of polices out there. Therefore, it’s perhaps never been more important to be sure that you’re getting appropriate cover.

Why policies differ

It’s a fact that not all insurance providers and underwriters see life in the same way.

Some consider certain types of risk to be less acceptable than others. As such, they might not refuse to cover it (though they might!) but they’ll require a higher premium to do so.

As insurance is all about identifying and covering risk, this explains why policies can not only differ so much in terms of content but also in how much you’ll be expected to pay for them.

The typical differences

It’s very difficult to be specific about those differences in isolation. Clearly the issues for you and your policy will differ depending upon for example, if you have a mixed fleet of cars and trucks or a homogenous fleet of many different vans of the same type.

Here at Alan Blunden Insurance Brokers, we like to see and discuss matters with our clients before trying to compare fleet insurance policies. However, in our experience, some of the following general areas are those where policies may differ most:

  • restricted versus unlimited annual mileages;
  • young drivers, even those with appropriate licences (some policies simply won’t cover them);
  • drivers with motoring convictions – this is another area where there can be huge differences;
  • whether you can pay your premiums by monthly instalments to spread the cost;
  • mixed fleet provisions (some policies only offer exclusively commercial use cover);
  • as touched on above, whether they can support mixed vehicle type fleets;
  • predictably, price!

It’s a lot to take in and evaluate when trying to compare fleet insurance – which is where we operate of course.

Other factors

There are many other things that need to be considered when making a selection.

They might include:

  • how well the provider really knows the fleet insurance marketplace;
  • their claims handling process. Hopefully you’ll never need to put them to the test but if you are forced to at a future date, that won’t be the time to discover inefficiencies and poor service;
  • their track record. New entrant policy providers may have innovation and interesting new products to offer but that needs to be balanced against their lack of a track record;
  • the customer service ethos. This is intangible and no policy provider sets out to deliberately offer a poor customer service experience but for all sorts of reasons, this is an area some companies struggle in.


If you have lots and lots of spare time plus a burning hobby-like interest in the insurance industry then you could, theoretically, do most of the above evaluation yourself

On the other hand, if you have better things to do with your time then the above work is best left to someone like us. This is our specialist marketplace and nobody knows it better than we do.

Why not contact us on 01702 826060 and let us demonstrate the reality of that to you?

Why compare fleet insurance?

At the time of writing, the UK economy seems to be performing very well.

In fact, in 2016, our economy grew faster than that in any other major western economy apart from Germany – and that includes the USA.

Challenges remain

While there is plenty of good news around, many companies are still feeling the pinch. Margins remain tight and fleet managers have never been under greater pressure to deliver a cost-effective fleet solution for the business.

This is perhaps why, more than anything else, you need to be sure you compare fleet insurance models before making a commitment.

Not just cost

Sometimes the traditional knee-jerk reaction of some fleet managers is to take the scythe to costs on a ‘slash and burn’ basis. At times, that manifests itself in the domain of fleet insurance by simply looking around for the cheapest policy you can find.

While we at Alan Blunden Insurance Brokers will always work with our clients to find cost-effective solutions for fleet insurance, we’d typically never advise concentrating exclusively on finding the cheapest possible cover.

That’s because there are many dimensions to delivering the cover your fleet requires in order to deliver the optimum support to your wider organisation. Certainly cost should be high on your priority list but it’s far from the only thing to consider.

Why a broad-based comparison is required

When our clients speak of ‘policy cost’ they usually mean the premium payable.

That’s understandable but it’s in fact only one element of the direct and indirect costs that might be associated with a given policy. That’s why we look at the totality of your business and compare fleet insurance policies available in the marketplace for a good fit before working with you to home in on a preferred solution.

What other things might we typically be considering?

Well, they’ll include:

  • the excess on the policy – that’s the sum you’ll have to pay towards any future claims;
  • paradoxically, the excess again – because some policies might offer you the choice of opting for a higher voluntary excess and reward that with a lower premium;
  • the mileage assumptions – certain policies might base their initial quotation on annual mileage estimates that are just too low for your business’s practical purposes. If so, once you feed accurate figures in, the price might escalate rapidly;
  • restrictions on vehicle types – that might not be a problem for you today but it could be if you expand or diversify your fleet in future;
  • no-claims discount procedures and rates – self-explanatory but these things can make a significant difference to the amount you’ll end up paying over say a three-year period;
  • national versus international cover – again this might be important to you even if your operations today are restricted exclusively to the UK. You won’t want to see your policy costs rocketing if you start sending your vehicles into Europe in future.


The above things are just a few of the cost-related elements we’ll be examining on your behalf.

Looking around for fleet insurance that comes with the cheapest price tag is relatively easy. It’s not a skilled job.

However, finding one that’s right across a broad spectrum of your requirements is far more demanding and that’s where our skills and expertise might be essential if you’re to deliver a total fleet solution to your colleagues.

So, why not contact us now for a review of your fleet and your insurance needs? We’ll get right on it and identify a solution that will support you going forward.