If you are concerned about the CO2 emissions of your HGVs, then you might be considering gas powered fleets HGVS. The CO2 emissions are lower than the diesel alternatives. Reasons to make the switch include lower fuel costs, less dependence on the oil market, ease of transforming existing diesel engines to gas, as well as reducing the impact of HGVs on air quality. So what do you need to know before you make the switch?
Insuring Your Gas Powered Fleets HGVs
Insurance for fleets of HGVs can be complicated. You need to make sure that you have everything you need, ideally in a single policy. If you have to insure each vehicle separately, the whole process can become complicated and unwieldy. With a gas powered fleet HGVs, you also have the added complication of insuring a non-standard vehicle. Your insurer must be aware of and willing to cover your fleet.
Getting A Quote
At Just Quote Me, they work with you to make sure you have the cover you need for your situation. If you have more than five vehicles, then fleet insurance will be the way to go. Speaking to a broker at Just Quote Me will help you to identify if you need to have named drivers or not. Within these policies, it is still possible to offer cover to any of your drivers who may be owner-operators. However, you will need to discuss this as not all policies have this flexibility built-in.
Speak to an agent today to find the best price and coverage level for your situation. HGVs are a specialist item, and gas powered fleets even more so. That’s why it is so important to get as many quotes as possible to make sure you get the right deal for you.
With a ban on diesel vehicles coming to the UK soon, more and more businesses are looking for more sustainable ways to power their car. Electric cars and vans are becoming increasingly popular for businesses to add to their fleets. Of course, for these new ways to power the vehicle, you need the right insurance; electric car and van fleets insurance.
How Can Electric Car And Van Fleets Insurance Save You Money?
Of course, for the cost of fleet insurance, there are several variables that may affect the price. However, by having a fleet of electric cars and vans, fleet managers often find that they make significant savings with their insurance.
Typically, electric cars and vans have fewer maintenance requirements. This means the vehicles are less likely to break down or have an accident due to lack of maintenance. As a result, with fewer accidents on the road, insurance providers can reduce the cost of their electric car and van fleets insurance.
Furthermore, electric cars often have advanced safety technology. The technology on board your fleet can help to reduce the chance of accidents and collision. This is not only a plus for you but for your insurer too. This benefit is enhanced if your fleet also opts for advanced telematics insurance too – which is another excellent way to keep your insurance costs down.
Finally, studies by insurers find that drivers of electric vehicles are more likely to be responsible drivers. While this focus is mainly for individuals, research has found that it is helping fleet managers too. So, by actively choosing a more sustainable transportation method, you could be saving money on fuel costs and insurance.
Do you have questions about Electric Car And Van Fleets Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
In a bid to reduce their carbon emissions, many companies are turning to gas powered fleets HGVs. Innovate UK is even funding trials for these low emission vehicles as part of the Low Emission Freight and Logistics Project. Some of the big fleet operators to take part include ASDA. Great Bear, Brit European and Howard Tenens. However, what does this energy source mean for insurance and what is gas powered fleets HGVs insurance?
Understanding gas powered fleets HGVs insurance
Regardless of how many vehicles you have in your fleet and what fuel or power they use, they all need vehicle insurance. Of course, each vehicle having its own insurance can be a nightmare for fleet managers. This is why fleet insurance is ideal as it covers all of your vehicles in one policy.
All insurers will have a different number of vehicles to class the insurance as a fleet. Often there is a minimum number of two vehicles for fleet insurance. However, the maximum number could stretch into the thousands.
The benefit of having gas powered fleets HGVs is that the vehicles have lower CO2 emissions. Furthermore, the gas powered fleets HGVs tend to have lower power. This makes the vehicles safer in the eyes of the insurer. As a result, the insurance premiums tend to be much cheaper.
The benefits of gas powered fleets HGVs insurance
- The vehicles have less power which means they are safer to drive which lowers premiums
- Gas powered fleets HGVs insurance makes it easier to manage your whole fleet
- You are doing your bit for the environment and reducing your carbon footprint
- Furthermore, you could save money through insurance and fuel costs.
Do you have questions about Gas Powered Fleets HGVs Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
Motor Fleet Insurance
When companies have a fleet of cars that need insuring, whether it is luxury cars or commercial vehicles, it makes business sense to insure all vehicles on a single fleet insurance policy. In the same manner, this will apply to a family with more than one car. Whilst insuring vehicles individually will end up costing more, it will also be more time consuming with the added paper work and red tape. Motor Fleet vehicle insurance can be tailored to meet your needs.
Policy Rules and Regulations
It is important to note that when insuring a fleet of vehicles, the policy rules should be strictly adhered to. The rules usually include guidelines such as; all drivers must have full and clean driving licenses, all drivers need to be over 25 years of age, etc. The insurance company needs to be notified anytime the insured cars status changes, for instance if a car is replaced and so forth. When many cars are insured, a quarterly declaration must be submitted to the insurer.
One Umbrella for Multiple Vehicles
A blanket motor insurance certificate will be issued when there are multiple vehicles and no registration numbers have been recorded. Accordingly, all vehicles must be owned by and registered to the insurance policy holder and the extensive paperwork needs to be completed and kept up to date at all times.
Keeping in The Loop
Individual motor insurance policies are not nearly as flexible as a Motor Fleet Insurance Policy. Group changes can be made on the declarations instead of the notification of each amendment. Even though large companies with a big turnover of vehicles submit a quarterly declaration it is still advised by Just Quote Me to advise the insurer on an ‘as and when basis’ of all changes.
Contact Just Quote Me for all your Motor Fleet Insurance needs on 0800 084 2325 or fill out our Quick Quote Form.
If you run a business and use a van for any purpose, from painting and decorating to floristry, you may have been approached about commercial van insurance. Your van is vital to your business, it is more than a simple domestic vehicle and therefore you need adequate professional insurance. This is what a comprehensive commercial van insurance policy provides. It also helps to ensure you have protection should the worst happen and your van be damaged or even stolen.
For success and smooth running of any business, commercial van insurance is a must. The right level of cover is something you need to assess however, and this is where Just Quote Me can help.
Your Commercial Van Insurance Cover
There are three standard levels of commercial van insurance:
- Third party
- Third party, fire and theft
- Comprehensive cover
The minimum legal requirement you need to be on the road is third party. This cover ensures you are protected should there be any injury or damage to another person of their vehicle. It does not provide any protection for your own vehicle. Third party, fire and theft, as the name suggests, will also cover you should your vehicle be stolen or fire damaged.
Comprehensive commercial van insurance is the maximum cover you can get and often comes with great additional extras. Add-ons such as a courtesy vehicle or windscreen cover can be extremely useful for commercial van owners. What’s more, comprehensive insurance isn’t always a huge increase from third party insurance so it is worth the additional cost.
Multiple Commercial Van Insurance
In the instance that your business has more than one commercial vehicle or van, fleet insurance is a good idea. Many people make a saving even when they have just two commercial vehicles. They can opt for a small fleet insurance policy. You can discuss your specific business needs with us and we will advise the best option for your company and vehicles.
Investing in insurance for your vehicles is an essential cost for any business but when your vehicle count numbers more than two, it can be more cost effective to opt for small fleet insurance. Even two cars or two vans used for business insurance count as a fleet and specialist small fleet insurance can be the best value and most effective way of insuring your vehicles.
What does a Small Fleet Insurance Policy cover?
The cover provided by your small fleet insurance policy will depend on the type of business you run. It will also depend on the vehicles in your fleet. Fleets made up of just cars require different insurance to those which include vans, HGVs, trucks and haulage vehicles. At Just Quote Me our experienced insurance advisors can help find a policy and quotes which are tailored to your business’ needs.
Small Fleet Insurance Policy Clauses
You may want to consider the following clauses for your small fleet insurance:
Most business owners should opt for their small fleet insurance policy to cover “any vehicle” as this offers maximum protection. It protects you should you forget to update your policy schedule and add in any changes of vehicle.
An “any driver” small fleet policy allows each of your vehicles to be driven by any of your drivers. This is especially important if you have a number of employees. It allows you to be more flexible in the use of your small fleet. Also, many fleet insurance providers will only insure drivers over the age of 25 and with clean driving licenses, but there are exceptions to the rule.
Just Quote Me works with businesses and fleet owners in many sectors and of all sizes. Investing in small fleet insurance almost always ensures a saving for the business.