The best family fleet insurance for your clan would make it possible for each vehicle at your residence to be covered by those that will operate them at the lowest possible cost. Each policy of this type can be tailored made to meet the specific needs of the residence.
What are the Requirements to Cover Vehicles with a Family Fleet Insurance Policy?
The term family in the name does not mean that every person with a vehicle has to be related by blood or marriage. The meaning of it for this type of policy is in reference to those that permanently reside at any particular residence. Family fleet insurance also goes under the banner of of multi car insurance. Multi car insurance should be cheaper than taking out separate policies, but it is not always the case. As such you need to compare multi car against separate policies to find the best family fleet policy for your home.
Other requirements include that each driver has a valid driver’s license and each vehicle be registered at the same home address.
The exception to this requirement is if a family member goes away to attend university. Their vehicle can be included by most insurance firms. Cars that comprise your home fleet will also have a factor on your insurance costs so buy cars that have a good safety rating and are easy and cheap to repair.
Some insurance firms require each driver to be over the age of 21, but not all of them.
What Types of Vehicles can be Covered by the Best Family Fleet Insurance Policy?
Any vehicle that can be registered to operate on the UK roads can be included in this type of policy. This includes the following;
- Cars
- Vans
- Trucks
- Motorbikes
- Horseboxes
- Caravans
Who can Operate the Vehicles Covered by a Family Fleet Policy?
The designated operators of vehicles are the decision of the owners. The options include just the named persons in the policy or any UK driver’s license holder or any combination of the two.
How many Vehicles can be Covered?
The number of different vehicles that can be covered under the home fleet insurance policy is from 2 to 5. The more vehicles that are covered, the bigger the discount is given by the insurance firm.
What Types of Protection will the Vehicles be Covered with?
This is another decision each owner has to make. It is true each policy can be of the same level of cover, but this is not a requirement. The available options include;
- Comprehensive
- Third Party Fire and Theft
- Third Party
The optional coverage for each vehicle will include breakdown assistance and European cover.
How many Policies are Issued with the Best Family Fleet Insurance Cover?
The fleet insurance coverage is an umbrella policy in which the policies of the individual vehicle are under. Each vehicle will have its own policy and can be like the other policies or totally different. This is an individual decision of the owner. This means each driver will have their own No Claims Discount.
The policies can all have the same renewal date or they can be different. This decision has to be made when the policies are taken out.
The best family fleet insurance policy will provide you with the cover you need at a price you can afford. With each additional vehicle there is a discount. When no claims are made during the year an additional discount will be applied to the annual premium.
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