If you’re looking for a car insurance policy that will provide cover for all of your family member’s cars, and vehicles, then a car and family fleet insurance policy could provide you with the simple, straightforward cover that you need.
If you would like to know more about car and family fleet insurance, read on to find out how HISL Brokers Limited can help you protect your family with a policy today.
If you have a large family and several vehicles parked on your driveway, you may want to consider insuring all of your vehicles under one policy – which is where car and family fleet insurance comes in.
This type of insurance is sometimes called multi-car insurance. Even though the vehicles are for personal family use, they are still considered to be a fleet, and if you use more than one car for leisure then having fleet car insurance for your family allows you to to administer everything in one place, which will help to save you time and money too.
A car and family fleet insurance policy could provide your family with a completely tailored policy. It is important to note that as well as standard cars, family fleet insurance also provides cover for other vehicles including classic cars, vans, horse boxes, 4x4s, campervans, imported cars, and motorbikes.
Car and family fleet insurance policies can insure the following:
Insurers will specify the minimum (usually two) and maximum amount of vehicles that they class as a family fleet.
In addition, you can also choose to cover things like vehicle recovery (in the event of a breakdown or accident), legal feels, replacement locks if your keys are lost or stolen, and damage to your vehicles’ windscreens and windows.
These are just examples of some of the types of car and family fleet insurance policies that we look after at HISL Brokers Limited. As we know that no two families are the same, speak to us today to find out which policies will best meet your needs.
There are several different types of fleet car insurance for family that you should consider:
Third party: This is the minimum amount of cover that you should have legally and provides cover for other people if an accident if the fault of one of your drivers. However, it is important to be aware that damage to your own vehicle or driver’s injuries will not be covered.
Third party, fire and theft: This type of policy will also replace a vehicle if it is stolen and covers damage due to attempted theft or a fire.
Comprehensive: This type of policy will also cover any damage to your own vehicle.
If you have multiple vehicles registered at your home address, then taking out car and family fleet insurance could offer you complete flexibility with just one premium to pay and one renewal date to remember.
As a family with several vehicles to insure, there are several ways that you can help to reduce the cost of the car and family fleet insurance premium that you pay:
It is also important to be aware that in some instances it may be cheaper to have a separate car insurance policy for one of the vehicles that you want to ensure, depending on the history of a driver or the model of car.
At HISL Brokers Limited we understand that cost is important to you, but it is crucial to ensure that you are properly protected. With that in mind, we will take the time to understand your specific needs and recommend the amount of cover that is best suited to you.
In addition, make sure you keep your car and family fleet insurance policy updated if you buy or sell one of the vehicles that your family owns, otherwise it could be invalid when you come to make a claim. In addition, it’s important to note that by having an ‘any driver’ policy (where you can insure all drivers on every vehicle), your family members will be able to access any vehicle.
It is also possible to add some extras to your car and family fleet insurance policy, including things like an extension for use abroad for up to 45 days, a replacement vehicle in the event of a theft, accident or fault, and it may also be possible for each driver to earn their own no claims bonus.
Finally, it is important to be aware that some insurance policies may specify a minimum age for drivers as 21 or 25, and you can also choose to have a different level of cover for each vehicle if you wish.
HISL Brokers Limited have a team of specialist advisers ready to help you get the right protection in place for your family.
We will take the time to understand your specific needs and are committed to delivering a completely personalised service, ensuring that you have the best possible cover at the best possible price.
To find out how much peace of mind costs, contact Paul Kerner by calling: (0)20 7220 9020.
Speak to a member of our dedicated team