Family Fleet Insurance is a Smart Option

Family Fleet Insurance is more economical than taking out policies for each car owned, if a family owns more than three vehicles. Although a family fleet policy covers all types of vehicles, including cars, vans and trucks, motorcycle insurance is typically not covered under fleet policies.

Before you buy a multi-vehicle or home fleet policy, decide how much coverage you need and get at least three quotes from auto insurance competitors. When comparing quotes, make sure that each policy includes the same services, so you are truly comparing the same product.

One benefit many vehicle owners look for in a fleet policy is breakdown cover. Some policies will pay to tow an inoperable vehicle to the nearest service station, while others will include towing to anywhere in the United Kingdom, free of charge. Determine your coverage limitations by examining the policies’ fine print.

You will get a better rate on your fleet insurance policy if all drivers covered have no violations on their driving record. Additionally, as with separate vehicle insurance policies, the younger the driver’s covered, the higher will be the premiums. If you want to include both young drivers and drivers with a blemished record on your policy, get a quote for separate coverage, as well as a family fleet quote, to see which option is best for you.