subject: The Advantages Of Haulage Fleet Insurance [print this page] Some people simply love collecting cars, while others may just own several cars. If you are one of these people, you could save a lot of money on insurance if you opt to cover all of your cars under a single umbrella while having the chance to apply different terms and limitations on each car separately.
On the same note, if you have a lot of cars that you use for your business and for other commercial purposes, you definitely need to look into fleet insurance. Yes, you can get a van fleet, motor fleet, taxi fleet, coach fleet, company car fleet or minibus fleet insured under a single option of insurance policy.
Haulage fleet insurance happens to come with the exact same advantages as normal insurance policies. The only difference would be the fact that you will be saving on both premium costs and administration costs. Plus, there will be less stress and hassle when it comes to trying to recall every car's dates of policy renewal - definitely a policy with a lot of benefits.
With this type of insurance, insurers will take care of any required paperwork while still giving you a chance to have certain terms and limitations applied to every individual car, if you want. For haulers that operate at least five trucks or lorries, the exact amount of cars needed to have haulage insurance will not differ from one insurer to the next, and they are allowed to take full advantage of the generous savings that come with what this kind of insurance policy has to offer.
A lot of insurance companies out there provide this kind of insurance, so you won't really be able to tell all of the advantages you could get out of this kind of insurance since every insurer will include various factors in their own quotes.
However, in general, the benefits of haulage insurance tend to include the following:
1. The majority of policies will include trailers for the cars, so this will extend cover if damages occur.
2. In the majority of cases, approved and named drivers are the only ones covered, but if the fleet is big, a valid license with a validity of at least 2 years and an age of 25 - 65 years for the driver would be enough as a requirement to save you some money with this kind of policy.
3. In several cases, legal expenses will be covered, as well. For instance, hospitalisation expenses for the driver when an accident happens. The claims will cost the same and all legal proceeding costs will also be taken care of by the policy.
The exact advantages that you would get from haulage fleet insurance will greatly depend on which policy you pick out for your business needs. Keep in mind that you should spend some effort and time getting a policy that is completely customised for your personal needs yet offers up the best benefits at an affordable price - most of all if you choose a reputable insurance company that specialises in such kinds of policies.
by: Neil Anderson
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