This document provides information on fleet insurance and how to minimize risks and costs. It discusses considering fleet size and vehicle usage when selecting a policy. It also recommends opting for "any vehicle" and "any driver" coverage to provide maximum flexibility. The document advises investing in public liability insurance and breakdown coverage, notifying brokers of policy changes, managing third party claims to reduce costs, developing a safety culture, and using telematics to monitor driving habits and improve risk management.

1. Your guide to how
Fleet Insurance works
FLEET INSURANCE SPECIALISTS

2. FLEET INSURANCE SPECIALISTS
To gain the best fleet insurance for your needs you need to take into account:
• Fleet size
• Frequency of use of your vehicles
In order to get the correct fleet insurance policy you need to consider the
usage of your vehicles.
• Taxi fleet - you will need either public or private hire insurance
• If your business carries goods then you will either need ‘carriage of own
goods’ to cover tradesman’s tools or company products being transported
• ‘Haulage insurance’ for long distance hire and reward services;
• ‘Courier van insurance’ for local multi-drops of hire and reward services
• Standard ‘Business fleet insurance’ will cover general business usage
o account:
Minimising risk and costs of
fleet insurance

3. FLEET INSURANCE SPECIALISTS
Make sure your fleet insurance
policy covers ‘any vehicle’
When you are looking for your fleet insurance it can be best to cover ‘any
vehicle’ which will offer you the maximum protection. This is particularly
important for larger fleets where vehicles will come and go throughout the
life of the policy.
Should you forget or accidently miss updating your policy schedule
information and a vehicle is involved in an accident but was not listed, your
claim can be invalidated without this feature.

4. FLEET INSURANCE SPECIALISTS
Consider an ‘any driver’ policy
An ‘any driver’ fleet insurance policy, opposed to a named policy, will allow
each of your vehicles to be driven by any of your drivers. This will provide
you with complete flexibility in managing your fleet.
Many fleet insurance providers are only willing to insure drivers over the age
of 25 with any driver policies, however a true any driver policy, which you
can find with a specialist insurance broker, will insure anyone.

5. FLEET INSURANCE SPECIALISTS
Invest in public liability and
breakdown assistance
When your vehicles are critical to the running of your business survival
then breakdown cover may be an essential requirement to add to your fleet
insurance.
Public liability insurance however is more critical. This protects you and
your business against any claims for injury or accidental damage caused as
a result of you or your driver’s negligence. Any business should consider this
additional feature as a public liability claim could potentially put you out of
business if you were left to settle a compensation claim.

6. FLEET INSURANCE SPECIALISTS
Keep your fleet insurance
broker up to date
Fleet insurance is perfect for a growing business where alterations can easily
be made throughout the lifetime of the policy, but it is important to relay
these changes to your provider to ensure your policy is up to date with new
vehicles or drivers.
can easily
elay
new

7. FLEET INSURANCE SPECIALISTS
Manage your third party
insurance costs to reduce fleet
insurance premiums
Many fleet operators will have processes in place to manage their own
drivers when they are involved in accidents, providing replacement vehicles
and managing repairs, however less time is taken to consider managing third
parties and third party claims tend to skyrocket as a result.
When your driver is at fault it is important to seek to manage both the repair
time on the third party vehicle and provision of courtesy car whilst this is in
process.
Too often with fleet vehicle insurance this process is not managed and if fleet
operators want to keep down premiums, they need to be confident that their
insurer has a system in place to manage any third-party claims itself.

8. FLEET INSURANCE SPECIALISTS
Developing a safety culture within the organisation can help to reduce your
fleet insurance premiums. By gradually encouraging positive behavioural
changes to your fleet’s driving habits, you can lower potential risks and
experience fewer future collisions.
This can be maintained via variety of methods such as driver training and
promoting awareness of the effects of claims via:
Develop a safety culture within
your fleet
• Regular communications
• Safety discussions
• Campaigns
• Driver feedback sessions
There are many ‘self-inflicted’ fleet car insurance claims that can often be
attributed to impatience, and a little forethought can go a long way.

9. FLEET INSURANCE SPECIALISTS
As part of implementing a safety culture it is also important to ensure that
operating practices and procedures allow for employees to drive safely to
reduce fleet insurance premiums.
Focus on reducing accident
frequency
• Vehicles need to be properly maintained and kept in a
safe and roadworthy condition
• Keep your fleet up to date to reduce wear and tear risks
• Fitting CCTV cameras can capture footage to help
inaccurate claims

10. FLEET INSURANCE SPECIALISTS
The use of telematics can monitor and look to improve
• harsh braking
• acceleration
• cornering
• lane changing
• speed versus speed limits
Telematics can play a huge part in an overall risk management strategy and
reducing overall fleet insurance costs. But only those who have the time to
work closely with the data generated by telematics can benefit from such
technology.
Telematics for Risk Management

11. FLEET INSURANCE SPECIALISTS
• Fleets of any vehicle covered
• Options for mixed fleets under
1 policy
• We can help any size of business
• Incredible range of policy options
• Any driver policies available
• Competitive pricing & low excess
• Fleet management advice
• Fast & efficient
documentation issuing
• Flexible payment terms
• Finance available subject to status
The benefits of fleet insurance
through the trusted UK experts,
Bluedrop Services

12. Contact us today
Give us a call and tell us your requirements. We’ll demonstrate why the
policies and service we offer, not only enhances the support you offer to the
people who drive your vehicles, but also the people who drive your business.
Call us on 01489 780 491
Visit www.bluedropservices.co.uk
Email info@bluedropservices.co.uk
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