Questions and Answers

If you are moving to a Claims rated Fleet Insurance policy then you will start to build up a Claims experience and not NCB. Providing you are still claim free, some private insurers will honour your no claims for 2 years and even 3 years dependant on insurer. But generally after this time your no claims bonus will be invalid.

The quantity and type of vehicles will all play a factor in the amount of money you can save, however getting a fleet insurance policy is typically cheaper than purchasing several individual insurance policies.

Almost anybody can have a fleet insurance policy providing that they adhere to standard requirements. Please see the next section for these requirements. Most fleet insurance policies are held by businesses, however we can provide a quote for almost any type of business or trading company.

Demonstration use is cover to allow a customer to demonstrate a vehicle you are selling. There are two different variations of cover 1)accompanied demonstration - where by you or someone insured on the motortrade policy must sit in the vehicle accompany the client whilst they test drive it. 2) Unaccompanied demonstration cover - where by the client can drive the vehicle without the need for you or an insured driver to accompany them. Cover is generally given on a third party only basis.

You must have a minimum of 2 vehicles to qualify for a fleet insurance quote. Vehicle types can be mixed however typically the more vehicles, the bigger the saving. Otherwise standard insurance rules applies. We make the process easy to find out if you are eligible. Just start your quote online and we’ll sort the rest!

A claims experience is the equivalent to a no claims bonus tailored towards fleet insurance policies. Since you will be insuring a quantity of vehicles, a claims experience assesses the risk of insurance versus the number of vehicles, details and how much was paid. This is due to the likelihood of an accident being higher for a larger quantity of vehicles than less.

Dependant on whether you have an NCB rated Fleet insurance policy or a claims experience rated fleet insurance policy. If you have a claims experience rated fleet policy you will not receive a no claims bonus but Instead, you will have a claims experience report which works in an equivalent way. If you have an NCB rated fleet policy your NCB will build or reduce like a traditional motor insurance policy.

Yes. Depending on the severity of the damage, this can be covered in a similar way to an individual car.

Yes. The minimum amount of vehicles you must have is 2, and these can be a mix of cars and vans, to commercial vehicles and taxis.

Yes with a motortrade policy you can drive any car to a certain extent but each insurer will have different restrictions & conditions regarding certain vehicles.

Yes as long as this has been discussed and agreed with your insurance company then we can provide you with a motortrade policy that can cover you for your HGV or Lorry.