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Business Choice Direct

Meeting Your Business Insurance Needs

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Fleet Insurance

Our Fleet Insurance provides flexibility allowing you to simplify your admin by having just one, single fleet policy to insure multiple vehicles. This means you only have one renewal and one payment plan to manage and we provide a dedicated expert account manager to guide you through the process, available via telephone, email or a virtual meeting to suit you.

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What is Hire & Reward Fleet Insurance?

Hire & Reward Fleet Insurance is vehicle insurance for companies who need to insure three or more cars or vans to deliver goods or people on UK roads, for example Couriers, Hauliers and Taxi firms.

Essentially Hire & Reward Fleet Insurance is the same as ‘normal’ Fleet insurance but includes that all important ‘Hire & Reward’ extension that reflects the fact you are using the UK road network to run your business and acknowledges that you will driving far more miles than most vehicles that spend their time parked at home or work.

Who needs Hire & Reward Fleet Insurance?

If you are a business that transports goods, property/parcels, or people (passengers) and you get paid to do so, you legally need specific Hire & Reward Insurance. If you’re a courier delivering goods using your own vehicle, you’ll need to take out Hire & Reward Insurance. It covers you for delivering parcels and packages in exchange for payment.

This means that if you are involved in an accident while on the job, your insurance will cover vehicle repair, third party, and legal costs. It is essential for Hauliers, Taxi Drivers, Coach Drivers, Couriers, Fast Food Delivery Drivers, Chauffeur Drivers, Funeral Car Drivers, or anyone that carries people or property of others in exchange for a fee.

Hire & Reward Insurance policies for fleets are designed for businesses with three or more vehicles.

What factors influence the cost of Hire & Reward Fleet Insurance?

The factors that will impact on the Hire & Reward Insurance premium you pay include:

• Number of vehicles.
• Your industry
• Years of experience
• Claims history.
• Minimum and maximum age of your drivers.
• If you have cameras and telematics installed.
• Initial and ongoing drivers checks and training.
• Length of your policy (Hire & Reward Fleet policies can be up to three years long)

Talk to our experts at BCD who understand the needs of Hire & Reward Fleets and will work with you to help you get a competitive quote that meets your needs.

How is Hire & Reward Insurance different from regular Commercial Insurance?

Hire & Reward if different as it extends your cover to acknowledge the fact you earn your living using the UK road network and charge your customers to do so. It reflects the fact you will use the roads far more than most vehicles which remain parked at home or work most of the time.

In the event of a claim both insurers and the police will check for this cover, and if not present then there is a good chance your claim will be refused and that could lead to you losing your vehicle and damaging your reputation with your customers.

The good news is that Hire & Reward fleet insurance can also include social & domestic driving for your vehicles, so no need for more than one policy.

What factors influence the cost of Hire & Reward Fleet Insurance?

The factors that will impact on the Hire & Reward Insurance premium you pay include:

• Number of vehicles.
• Your industry
• Years of experience
• Claims history.
• Minimum and maximum age of your drivers.
• If you have cameras and telematics installed.
• Initial and ongoing drivers checks and training.
• Length of your policy (Hire & Reward Fleet policies can be up to three years long)

Talk to our experts at BCD who understand the needs of Hire & Reward Fleets and will work with you to help you get a competitive quote that meets your needs.

What to look for in Fleet Insurance

  • Multi-vehicle Fleet Insurance from 3 vehicles upwards
  • No limitations on the amount of vehicles covered
  • Add or remove any driver automatically
  • Fully comprehensive, or third party fire and theft options
  • Public & Employers Liability insurance
  • Goods In Transit Insurance

Large or small, if you run 3 or more vehicles, our Fleet Insurance is simple, quick and hassle free.

Fleet Insurance

Features and benefits of the BCD Premier Client team

  • Premier Client classification, meaning your policy is dealt with by a small, experienced and independent fleet team for the duration of your policy term offering a personable experience.
  • No administration fees charged for mid-term adjustments, offering you maximum flexibility for minimal cost.
  • Quarterly or half yearly claim reviews to ensure you insurer are dealing with any claims notifications efficiently and in your best interests.
  • Added value products available including fleet breakdown and fleet gap insurance cover

Hire & Reward and Transport Logistics

  • Numerous vehicles covered under one insurance policy
  • Any driver declaration
  • Add and remove vehicles on demand – On hire/Off hire vehicles with ease.
  • Cover various vehicle categories

Business Fleet

  • Multiple vehicles under one insurance policy
  • Any driver declaration
  • On hire/off hire vehicles with ease – add and remove vehicles as you wish
  • Insure multiple vehicle types

Why choose Business Choice Direct?

Running a fleet is time consuming, so you need your Fleet Insurance to be flexible and simple to administer, that’s why we won’t ask you to call us to add or remove any driver. We automatically insure your drivers within the agreed policy driving restriction. The driving restriction means the driver has to be the age agreed with the insurer and they must comply with the minimum licence length. This is also dependent on claims and convictions history.
Best of all, we have no limitations on the amount of vehicles covered. We specialise in road transport, courier and construction vehicles; however, we also provide specific products and prices for many other industries. Whether you operate vans, cars or HGV’s we can cater for most vehicle types.

Fleet Driver

Frequently Asked Questions for Fleet Insurance

What is Fleet Insurance?

Fleet Insurance is a type of cover which is designed for businesses who own multiple vehicles. To save you from having multiple policies, Fleet Insurance allows you to have all your vehicles insured under one policy.

How does Fleet Insurance work?

Fleet Insurance covers multiple vehicles. The vehicles can be registered in the company name, partner or director of the company, allowing one policy to cover all your vehicles with the business.

Is a fleet policy cheaper?

A fleet policy is not always cheaper, each risk is looked at on an individual basis and our insurance experts will be able to review your requirements and offer further advice and information on prices.

Who can drive on Fleet Insurance?

Fleet Insurance policies are limited to the vehicles that you specify under the policy. The vehicles cannot be used for any other business use other than which is stated on your policy. In most instances, any driver that your business employs can drive on your Fleet Insurance without you having to update your whole policy.

How many vehicles do you need for Fleet Insurance?

A minimum of three vehicles is required for our Fleet Insurance

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