Dickson & Wilson Insurance Brokers
What Affects Your Fleet Insurance Premium?
Fleet insurance isn’t a one size fits all policy. The cost of your fleet cover depends on several factors related to your vehicles, drivers and how your business operates.
We help businesses understand these factors and arrange fleet insurance that balances the right level of protection with competitive pricing.
Here are some of the key things that can influence your fleet insurance premium:
Driver profiles and experience:
The age, experience and driving history of your employees can affect the cost of your fleet insurance. Fleets with younger or less experienced drivers may face higher premiums due to increased risk.
Number and type of vehicles:
The size of your fleet and the types of vehicles you operate play an important role. Vans, commercial cars, and specialist vehicles can all have different risk profiles depending on engine size, repair costs and usage.
How the vehicles are used:
Insurers consider how your fleet is used day to day. Businesses with high mileage, nationwide travel, or frequent urban driving may pay more due to increased exposure to accidents.
Claims history of the business
Your company’s previous claims record is a major factor. A strong claims history with few incidents can help reduce premiums, while frequent claims may increase costs.
Security and overnight parking
Where vehicles are kept when not in use also matters. Secure yards, depots or monitored parking can lower risk compared with vehicles left on public roads overnight.
Dickson & Wilson Insurance Brokers
Types of Fleet Insurance Cover Available
When arranging fleet insurance, it is important to choose the right level of cover for your vehicles and how they are used. Common options include:
Third Party Only
The minimum level of cover, protecting against damage or injury caused to third parties.
Third Party, Fire and Theft
Includes third party cover with added protection against fire damage and theft.
Comprehensive
The highest level of cover, including third party protection as well as cover for damage to your own vehicles.
Carriage of Own Goods
Suitable for businesses transporting their own tools, equipment or goods.
Carriage of Goods for Hire or Reward
Cover for businesses delivering goods in exchange for payment.
Fleet Insurance Extras
Additional Cover Options
Optional extras such as breakdown assistance, legal expenses and replacement vehicles can be added depending on your needs.
Breakdown Assistance
Roadside support to keep your fleet moving.
Replacement Vehicle Cover
Temporary vehicles if one is off the road.
Legal Expenses Cover
Protection against legal and defence costs.
Windscreen Cover
Fast repair or replacement of damaged glass.
No Claims Bonus Protection
Protect your discount after a claim.
Experienced Insurance Brokers
Our Promise to Fleet Customers
At Dickson & Wilson, we believe we work better together.
With almost a century of collective experience and local experts across multiple branches, we provide hands on support and clear advice at every stage of your fleet insurance policy. From initial quote through to ongoing management, our priority is helping you keep your vehicles on the road and your business protected.
If you are looking for fleet insurance that offers flexibility, value and expert support, speak to our team today.
Fleet Insurance
FAQs
How many vehicles do I need for fleet insurance?
Fleet insurance usually starts from three vehicles, although requirements can vary depending on the insurer and vehicle types.
Can I insure different vehicle types on one fleet policy?
Yes. Many fleet policies can include a mix of cars, vans, lorries, HGVs, taxis or courier vehicles under one policy.
Can I add or remove vehicles during the policy term?
Yes. Fleet policies are designed to be flexible, allowing vehicles to be added or removed as your business needs change.
Do all drivers need to be named on a fleet policy?
This depends on the policy structure. Some fleet policies allow for named drivers, while others operate on an any authorised driver basis, subject to insurer approval.