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Is Family Fleet Insurance right for you?

 

Buying your car insurance annually is a bit of a hassle. It’s not exactly something that you would look forward to with relish. The benefits from the insurance policy are very much linked to ensuring your physical assets but beyond that the value of that piece of paper displayed lovingly in your windscreen insurance disc holder (hopefully a colourful CG one!) Can seem questionable.

So you owe it to yourself to make the process as simple, quick and efficient as possible. One of the great nuisances that we hear constantly from islanders is that they have several different vehicles and several different corresponding insurance policies.

So there is one easy way we can make your life easier each year, since under a family fleet policy you can ensure all of your vehicles under one group policy. This still enables you to run your individual no claims bonus and if indeed you can tailor cover for all of the different vehicles. So if you’re only wanting third party only cover on that old scooter, but require a fully comprehensive cover on your much nicer BMW then all of this can be accommodated under the same policy.

In speaking with clients we have found that this is the cheapest way to operate. Bringing the vehicles together can usually be done so for a discount and it means that rather than pay for multiple sets of legal cover, breakdown insurance, and administration fee from your brokers, this can be combined together into something more appropriate and scalable.

To give you a real-world example of this, let’s say mum has a very nice Mercedes which she wants fully comprehensively insured, dad has a rather dubious old Land Rover that he is a very attached to, daughter has a mini which is several years old and the teenage son has a 50 cc scooter, which besides being a noise nuisance is only likely to be his for a few years before he moves on to the other family cars.

Under this scenario, we can create one policy and when individual vehicles come up for renewal, they can be added to the policy on a pro rata basis so that eventually all of the vehicles end up at the same renewal date.

It also stands to reason that the more vehicles you placed on the policy, the cheaper the rate per vehicle and especially where some vehicles are not driven as much as others. For instance, in the scenario where the Land Rover is infrequently used as car is shared for commuting, or where dad decides to buy another Land Rover to cannibalise it for parts for the former, but it is possible to secure premium reflective of the decreased usage.

One of the principal benefits of this is of course having one policy premium, one policy number and a common renewal date all of your vehicles. This is not only convenient but also better enables family budgeting and not least the element of securing a good deal by harnessing the power of multiple policies being brought together for a family discount.

Other benefits include the fact that the terms can be tailored for individuals on the policy to reflect age, circumstance and other underwriting factors, but also that you then have one holistic view yourself as the policyholder/principal on the policy as to how the policy is constructive. For instance, if there are requirements for children, staff or extended relatives to drive certain vehicles you can extend the options available and include elements such as any authorised driver over a certain age.

All in all, this is a uniquely flexible policy and we are here to ultimately tailor it to your specific requirements.

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