paul hicks insurance services



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Commercial Vehicle & Motor Fleet

We are able to provide cover for either your individual commercial vehicles, or where there are a number of vehicles, provide the option of a fleet policy. A fleet policy can be available where there is a minimum of 3 vehicles.

Essentially a motor fleet policy is an arrangement in which all of a company's vehicles and drivers are covered by a blanket policy.

Motor fleet exists to simplify arrangements to the point where separate 'fleet' policy wordings have been introduced by many insurers in order that all vehicles owned or operated by a company can be insured under one policy.

The fleet policy is able to cater for almost all types of vehicles including commercial vehicles including heavy goods vehicles, vans and trucks, business cars, special types (plant type vehicles e.g. excavators, forklifts etc) and private cars.

It is unlikely that there will be restrictions on individual drivers. Arrangements are more likely to be made on an 'open driving' basis with blanket cover in force.

The normal levels of cover available:

  • Comprehensive
  • Third party fire and theft
  • Third party only
  • Road Traffic Act cover only
  • Vehicles can operate from more than one location and don't have to be garaged overnight at the business premises
  • Breakdown cover including European travel
  • Full European cover
  • Uninsured Loss Recovery
  • New Car Replacement available
  • Attached / detached trailer cover
  • Unlimited Windscreen cover
  • Car sharing cover available
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