Sudden Insurance

Within the confines of an insurance organisation “Fleet Insurance” is a phrase thrown about all the time, with little or no thought about the origins of the expression. This type of insurance is simply a product, along with all our other products, and we are relied upon to find the best and most suitable policies for our clients. These can range from truck fleets, to van fleets, and car fleets to lorry fleets.

While I was studying my for my A Level exams, I was given a life-long interest in etymology after reading Simeon Potter’s book, ‘Our Language’. I enjoy trying to decipher the origins of words, and have realised that by researching the origins, I have gained a deeper understanding of the word itself. Before researching, I believed a ‘fleet’ referred basically to there being ‘more than one’ of any given thing, and that the word dated back to the times when the empire had fleets of ships at its command.

After thinking about the word for a while, I decided to research it, believing that there must be more of a story to the word than my limited knowledge of history. While using a website entitled Word-Origins, I discovered that ‘fleet’ relates to a Old Indo European word pleu, and means ‘flow, or float’, linking back to the ships. The word also has stong connections through a separate deviation of the plue word, in the German word, fleutan, also referring to ‘floating, swimming’.

If you too are interested in etymology, there is a lot more on the page, and you should take a look and research it for yourself. When we observe our use of the word fleet today, a ‘fleeting glance’, or any other use of the word in this format is the only descendant left of the old language. Fleet Street interestingly has no connections with ships, and is called this due to a relation to the Thames. These variances show that in the 16th century, the word adopted a sense of transience.

This shows you another aspect of how insurance brokers spend their time when they aren’t ensuring they find the cheapest and most applicable policy for their customers. When I get time I’ll look up the origins of all the other insurances we cover too.

Fleet insurance is available to households or businesses, to get more information, visit Coversure. They are a reputable independent broker who can secure you a grea deal on you fleet insurance.

I own an electrical contracting business and have eight Vauxhall Corsa vans insured under a fleet policy. I have been with my broker since I started the business 3 years ago. About five months ago business was booming and so I decided to take on two new freelance electricians. I bought two new Vauxhall Corsa vans for them bringing the total fleet to eight vehicles. I added the two new vehicles to the fleet policy bringing the total to eight.

About two months ago business started to slow and reluctantly I couldn’t afford to keep on my two new freelancers, so I had to reduce their work. This left me stranded with two vehicles that I didn’t really want to get rid of as I could foresee business picking up again.

The vans were being kept in a friend’s lockup, and so I didn’t want to insure them if they weren’t going to be used. I therefore spoke to my insurance broker about taking the vehicles off the fleet policy, to which he explained about a new continuous insurance enforcement law, which has been put into place to attempt to control the rising numbers of uninsured drivers.

I was informed by my broker that not either insuring my vehicles or declaring them as ‘off the road’ or SORN is seen as a criminal offence and could lead to severe consequences. CIE systems are used to check the database of the DVLA, in accordance with the MID (Motor Insurance Database), meaning they are able to see who has uninsured vehicles, and contact them. A series of penalties can be faced by these drivers if they don’t purchase any insurance, and if caught they will face a fixed penalty of 100, as well as a possible fine of up to 1000 and a court prosecution. As well as these personal penalties, the vehicle(s) in question face the possible prospect of being clamped, seized and destroyed.

Following this advice from my broker, I decided to keep both the vans insured, as it would cost me a lot less to do this than face fines and any court prosecution. This advice saved me from unintentionally breaking the law, and therefore the information was very useful and gratefully received.

After this experience I would suggest that all businesses should get in contact with their local insurance broker, as their advice can often save you a lot of money, and their hard work means they will find you the most competitive price. To avoid being confused and making mistakes with insurance, seek a professional broker.

If you are looking for fleet insurance for your family or your business, then you should contact coversure. They are an independent insurance broker with a great reputation and so they can get you the best deal around. van insurance

Being the owner of four cars, I found insuring them all separately both time consuming and costly. I have recently spoken to an insurance broker who has informed me that under a fleet policy, I could save time and money. The fleet policy means I can have one policy for all my cars, meaning I only have to renew it once, saving me time and hassle. The single annual premium charge has also worked out far cheaper than insuring all the cars under separate policies.

My original car was small, and was only used to transport me from A to B. I bought it after having to ride my bike to work, and although I loved it, it was impractical because I lived at the top of the hill, and I couldn’t drive up in snow.

As a result of frustration at being snowed in I bought a four-wheel drive. Although this is a brilliant car, I couldn’t sell my old one, and still use it for small tasks such as trips to the supermarket. However, I began to realise that the search for two cheap insurance policies was too time consuming.

I soon had to buy a van for work, to accompany my small car and the four-wheel drive. I initially thought that fleet insurance only catered for companies with hundreds of vehicles, but after consulting an insurance broker, I was informed that not only could I take out a policy with just three vehicles, but also that different types of vehicles such as cars, vans and trucks can be insured on the same policy. After taking out a policy for my three vehicles, I got a discounted RAC breakdown cover price.

I was shocked to learn that I could also add my wife’s car to my fleet insurance policy. I have saved so much time by using one policy as opposed to four separate ones. If your household has three or more cars and fewer drivers, you should speak to a good insurance broker who will be able to sign you to a fleet insurance policy, saving you time and money.

We used to sit in the back of my Dad’s truck outside the house, and we loved it. We loved it when we were very young, and even when we had grown up and moved out. Home Insurance fleet insurance Find out from your insurance company to see if your home contents insurance covers the very expensive items in your car.