Fleet insurance isn't good because it's “cheap”, it's good because it's a system: transparent, open to competition, and manageable through claims history. Here are those three arguments in detail.
All your vehicles in one framework, with a common renewal date: not twenty policies with twenty dates, but one clear system you can put out to competing insurers once a year, all together.
The fleet premium is driven largely by the loss ratio. Whoever measures and improves their claims history negotiates with data at renewal – whoever doesn't just hopes for the best. I help with this on request.
Purchase, replacement, disposal, data changes: I help with the adding/removing of vehicles and the paperwork – and I work towards continuity of cover, provided you flag the movements in time. The fleet manager is left with the decision – I help with keeping the records.
As an independent broker, I request fleet quotes from several insurers for the same vehicle list and claims history, and hand them over in one table – covering cover levels, deductibles, the flexibility of adding/removing vehicles, and claims-handling practice. I don't say “this is the one” – I show you where they differ – you'll find our comparison table here. Price matters, but it isn't everything: even a quote that looks cheap has a cost – that's what the article the cheap-quote trap is about.
On request, or when it's warranted, we pull and interpret the fleet's claims list: what's been closed, what's pending, what was rejected and why. We make an improving trend visible at the renewal negotiation; for a worsening claims history we suggest timely action – an internal claims process, driver awareness, deductible tuning. The logic is set out in the loss-ratio article, without figures, but without dodging the issue either.
Not every vehicle fleet is suited to being run as a fleet. With few vehicles, a mixed ownership structure, or very different usage patterns, individual contracts can sometimes be the better route – when that's the case, I say so, and point the question toward kotelezo.biz / casco.biz. Details: the small-fleet article and when to use a broker.
Free of charge, no obligation – bring your vehicle list and claims history, and by the end you'll see the next step.