Fleet Insurance
Professional Fleet Insurances for All Types of Businesses.
Welcome to Fleet Insurance from AIC
Most independent High St insurance brokers have access to around 30 different insurers whilst we at AIC have over 140, that’s why our fleet insurance rates are noted as being some of the best available. Whilst price is very important we know good service is also paramount and our staff, based in our Hemel Hempstead office, are very keen to help you find the right cover which is bespoke to your business.
We pride ourselves on finding the right solution for our customers and we can quickly assess your needs with guidance on pricing, try our ‘quick quote’ button where we aim to respond within just one hour (within usual office working hours 9-5 Mon-Fri).
Fleet Insurance Solutions
We have insurers for all types of fleet from classics to haulage.
Business
From directors Cars to the Business vans, we’ve got you covered. Whatever the mix of vehicles we’re sure to have quotations available from many insurers, ensuring a competitive price every time.
Electric
Its true some insurers don’t like electric vehicles yet, and it does cause them problems with repairs etc. But we have many insurers who can insure electric vehicles within a fleet, so speak to us and we’ll get your risk presented to the right market, which will get the price results you want.
Coaches
We understand the complexities of insuring such vehicles, and we have all the other necessary insurances to sit alongside the vehicles.
Taxi’s
Cover for passenger vehicles is specialist and requires expert handling to ensure it is placed correctly, so talk to our team about the panel of insurers we have available
Heavy Haulage
Managing larger vehicle fleets its essential to cover the assets correctly, be it they are often so valuable. Understanding their usage is very important and we recommend speaking to one of our team so a bespoke package of cover can be formed.
Distressed
Fleets can get into trouble through no fault of their own, from a bad run of luck to other unavoidable external influences. Our team are trained to understand these issues, and find workable solutions to help get you back on track.
Family
Why not move all your vehicle insurances into one policy, its often cheaper and certainly easier to manage. From high performance vehicles to collector cars, we’re sure to have a solution from the many insurers we deal with.
What does this policy cover?
Vehicles
From directors cars to full company fleets, and from mopeds to haulage vehicles, we have access to many insurers offering competitive rates.
Goods in Transit
We can cover the goods in transit, even if you’re not physically involved in moving items you may still have legal responsibilities.
Public & Employers Liability
Ensuring the staff are covered for all their activities whilst carrying out their duties, as well as protecting the public.
Legal Expenses
Covering legal costs when the business needs it most can be very inexpensive if cover is purchased in advance.
Passenger Liability
For businesses carrying passengers, from Taxis to Coaches, this cover is essential.
What’s included?
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Bespoke Package
Whether you need cover for everything or you’re just concerned over one specific piece of cover, we can formulate a bespoke package of insurance around your business.
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Dedicated account handler
A dedicated account handler will look after you, from sales through to claims, so you’ll always know who you’re dealing with.
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Best quote
Our pricing is constantly monitored and from a wide range of insurers, so you’ll always get the best quote.
Need help?
Talk to one of our friendly consultants to assess your needs and find a bespoke insurance solution to suit your business.
How to make a claim
Whilst you normally have an emergency phone number stated on your policy documents, we always recommend talking to your account handler first.
Frequently Asked Questions
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Do I still need to disclose claims, convictions, criminal record and bankruptcy to insurers after all these years?
We at AIC always recommend to air on the side of caution, and disclose everything to ourselves, and we can help you decide if this information needs to be told to insurers, which normally it does.
There are different rules to follow from various sources, as an insurer may ask you to declare convictions in the last 10 years, whereas the rehabilitation act may dictate that you don’t need to declare it for more than say 5 years. DVLA may give you a different answer again for motoring convictions! Talk to one of our friendly consultants and let us help you.
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Why AIC rather than a price comparison site?
Using a dedicated insurance broker provides benefits completely unseen when using a comparison site. With AIC, you’re afforded your own dedicated account manager who specialises in the cover you are seeking. Getting to know our clients is paramount to our customer service dedication and getting to know you AND your requirements is part of that. When you use a price comparison website, you are quite literally just a number and just a click-cost.
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Why do you ask so many questions?
With any type of cover it is important to present insurers with all the information that will or could possibly affect the way they look at the risk. If this is not provided, insurers have the right to walk away from a claim, to change terms at the time of a claim, or reduce an amount paid depending on which law the insurance adheres to.
A good insurance broker (like AIC) should not be afraid to ask the right questions of a potential policy holder, or suggest ideas that will help in the risk management of the cover in question. Insurance is there to help you in the event of a problem, and it makes no sense to cut corners on something so important. We’re here to help you!
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Do you have a call centre?
We hate call centres as much as you! Our phones will never be answered by a call centre and only by a staff member. You only deal with your allocated account advisor, so you know who you will be dealing with every time you need to reach out to us.
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Do I have to pay in full or can I do instalments?
There are two main ways you can pay your insurance: the full sum to cover the next 12 months upfront, or in 12 monthly instalments over an annual period.
The major drawback to monthly payments is paying by instalment usually makes the total cost of cover higher than it would be if you paid in one go. This is because the insurance company is effectively lending you the money to pay the premium, so it will charge you what amounts to interest on the repayments you make across the year.
By paying In full you are clearing your entire payment all in one go, meaning the insurance company won’t have to lend you the money and you won’t be due any premiums on the loan.
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How can I reduce the cost of my insurance?
Great question and one we can of course help you with! Business insurance premiums are arrived at by the analysis of your likeliness to have a loss. When you apply for coverage, your information will be analysed by an underwriter who is responsible for determining whether or not they will consider writing a policy for you. Each business has completely different circumstances and we highly advise you to get in contact with us so we can understand and advise in the best possible way.
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Talk to one of our friendly consultants to assess your needs and find a bespoke insurance solution to suit your business.