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G_Cam
Member Since: 12 Aug 2010
Location: Fife
Posts: 2061
  
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| 'block' vehicle policy? Any experinces? |
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Hi all
SWMBO is expanding her business and the 'Kids' (both over 25) are going to be working in the business... we are looking at 5 vehicles (inc 1 LWB van, a F1 Commercial and my D3) all being used on an almost daily basis for works purposes.
So.. Is it worth it/possible to put them all under one commercial insurance policy?
has anyone got any thoughts/experience in this area?
The aim was possibly to simplify the insurance process and to save on the overall combined premiums..
Thanks 1 TR6 Rusting away quietly
1 FARR UTV SOLD
1 International Harvester SOLD
7 x D3 all SOLD
2 x D4 both SOLD
1 x Mrs D4 'Panther' SOLD
1 x Outlander van SOLD
1 continual stream of car parts and me living in the garage...
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 21st Jan 2014 2:58 pm |
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waterbuoy
Member Since: 26 Oct 2013
Location: Argyll
Posts: 2907
 
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I did this a while ago (about 15 years) via the NFU; was OK at the time but, when the then SWMBO and I went our separate ways, there were 'issues' due to the NCB. WE had previously built up three full NCBs which were merged into a single policy, and then counted as only one after a while 
Situation may be different now but I'd suggest you check before committing  Currently 2009 Disco 3 SE, 2013 MY D4 HSE and 2016 D4 SE
Previously:
TD5 Defender 110 CSW (230k miles)
300TDi Disco 1 (289k)
4 RR Classics (300-350k each, 2 manual, 2 auto)
110 V8 CSW (220k)
S3 109 hi cap pickup (ex RN)
S2A 88 Safari SW with lpg conversion (bloody lethal)
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| 21st Jan 2014 3:23 pm |
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Walmsleys
Member Since: 04 Sep 2007
Location: Leyland
Posts: 601
 
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Try www.fleetcover.co.uk - Maybe give Simon Carr a ring on 01942 765314. Tell him you've been recommended by Martin Bellamy.
I've told him you may ring. 2013 D4 HSE Luxe in Indus Silver
(previously 2015 Defender Urban Truck 90XS in Havana)
(previously 2013 D4 XS in Fuji White)
(previously 2011 D4 XS in Stornaway Grey, auto, black leather, reversing camera and removable tow bar)
(previously 2011 Freelander 2, blue (Mrs B's)
(previously 2007 TDV6 D3 SE Zermatt Silver, auto, black leather, an Uncle Ray plate and AT2s)
(previously 2001 Freelander One, blue)
(previously 1967 Series 2, Green)
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| 21st Jan 2014 3:49 pm |
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Chippy
Member Since: 05 Jan 2012
Location: Surrey
Posts: 520
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Right did this 3 years ago so still quite fresh in my mind. What you are talking about is a mini fleet policy, all the vehicles are insured under one company, one fee but you are issued with separate policy
documents for each motor. Use a good broker as they can then manage any claims, downside is if you have a run of bad luck which results in 50/50 claims or worse your premium will get hit harder than on a individual insurance type policy.
Good points you can insure high priced motors cheaper but no NCB and you loose any existing NCB's after 2 years.
You pay's your money and you take's your chance Transit Custom LWB
Transit Doublecab SWB
Transit LWB
Transit connect
New Ford Ranger
Renault kango LWB
Fuso Canter flatbed
Renault master
Caterpillar Fork Truck
AUSA Skiploader
1.5 Ton Volvo Digger
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| 21st Jan 2014 4:01 pm |
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Walmsleys
Member Since: 04 Sep 2007
Location: Leyland
Posts: 601
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Chippy - Were yours all cars, or business vehicles like G_Cam's 2013 D4 HSE Luxe in Indus Silver
(previously 2015 Defender Urban Truck 90XS in Havana)
(previously 2013 D4 XS in Fuji White)
(previously 2011 D4 XS in Stornaway Grey, auto, black leather, reversing camera and removable tow bar)
(previously 2011 Freelander 2, blue (Mrs B's)
(previously 2007 TDV6 D3 SE Zermatt Silver, auto, black leather, an Uncle Ray plate and AT2s)
(previously 2001 Freelander One, blue)
(previously 1967 Series 2, Green)
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| 21st Jan 2014 4:03 pm |
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Chippy
Member Since: 05 Jan 2012
Location: Surrey
Posts: 520
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All commercial motors, transits, flat bed trucks and 4x4 pickups. Transit Custom LWB
Transit Doublecab SWB
Transit LWB
Transit connect
New Ford Ranger
Renault kango LWB
Fuso Canter flatbed
Renault master
Caterpillar Fork Truck
AUSA Skiploader
1.5 Ton Volvo Digger
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| 21st Jan 2014 4:07 pm |
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Walmsleys
Member Since: 04 Sep 2007
Location: Leyland
Posts: 601
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You could do all those on one policy with one document - no need for lots of different ones.
I agree with your comment: "use a good broker"! 2013 D4 HSE Luxe in Indus Silver
(previously 2015 Defender Urban Truck 90XS in Havana)
(previously 2013 D4 XS in Fuji White)
(previously 2011 D4 XS in Stornaway Grey, auto, black leather, reversing camera and removable tow bar)
(previously 2011 Freelander 2, blue (Mrs B's)
(previously 2007 TDV6 D3 SE Zermatt Silver, auto, black leather, an Uncle Ray plate and AT2s)
(previously 2001 Freelander One, blue)
(previously 1967 Series 2, Green)
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| 21st Jan 2014 4:09 pm |
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Chippy
Member Since: 05 Jan 2012
Location: Surrey
Posts: 520
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Single policy = standard fleet minimum 5 motors to be cost effective
Multi policy= mini fleet also cheaper when making regular changes to your fleet
Before fleet £4500 per year
year 1 £2600
year 2 £3100 after 1 50/50 claim 
year 3 £3600 after a fault claim ( no witnesses ) 
Year 4 1 being written off ( no witnesses ) god only knows!!!!!!!!!!!!
All vans now have cameras now as fed up with speeding kids on little lanes and no witnesses!!!!!!!!! Transit Custom LWB
Transit Doublecab SWB
Transit LWB
Transit connect
New Ford Ranger
Renault kango LWB
Fuso Canter flatbed
Renault master
Caterpillar Fork Truck
AUSA Skiploader
1.5 Ton Volvo Digger
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| 21st Jan 2014 4:27 pm |
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G_Cam
Member Since: 12 Aug 2010
Location: Fife
Posts: 2061
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Thanks All
Some good specific feedback and info.. Will get on the case tomorrow...
The LWB Van is Pink! So I will NEVER be driving that one 
Funnily enough SWMBO had our only neighbour drive into her on the private road on the way to the house. SWMBO had a cracked number plate but the neighbour had her Subaru written off!
As our neighbour drives VERY fast on the road we have fitted cameras in the Disco and the Freelander. I will also fit one in the Pink Van as soon as its on the road. One day I can see insurers giving discount for fitting these (if not insisting on them for bad/repeat offenders!) 1 TR6 Rusting away quietly
1 FARR UTV SOLD
1 International Harvester SOLD
7 x D3 all SOLD
2 x D4 both SOLD
1 x Mrs D4 'Panther' SOLD
1 x Outlander van SOLD
1 continual stream of car parts and me living in the garage...
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| 21st Jan 2014 5:30 pm |
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