Family Fleet Insurance: The Smart Way to Insure Your Cars
Get on the smart and hassle-free path to safeguarding your car collection with our family fleet Insurance—an effortless, solution tailored to your need for comprehensive coverage across all your vehicles. The insurance offers an appealing solution for the 26 million households in the UK with multiple cars. Even when the registrations for your vehicles are under separate names, like you and your partner you can streamline and insure them together under one policy. Not only is it incredibly convenient, but it could also lead to significant savings and less hassle.
Signature Insurance Makes Family Fleet Motor Insurance Easy & Affordable
A family fleet insurance policy often comes as a cheaper alternative compared to individual policies for each car. This cost effectiveness is because insurers offer discounts when several vehicles qualify in a single policy However, the extent of the value can differ based on various factors unique to the policyholder and among different insurers, particularly for those looking for classic car collection insurance or who have high-value motor vehicles.
With a family fleet policy, each added car brings a discount, promoting savings. Usually, the number of vehicles covered by such a policy is determined by the provider, typically requiring all cars to be registered at the same address.
Despite being grouped under one policy, each car has its specific level of coverage, maintaining individuality. It allows you to tailor aspects like excess (the amount paid towards a claim) and keeps your no-claims discount separate for each car.
Family Fleet insurance caters to households with more than one vehicle. For instance
- Couples or families living together with multiple cars.
- Couples residing at different addresses, each owning a vehicle.
- Families with children living elsewhere in the UK who have their cars.
It’s a convenient solution that ensures coverage for all your vehicles under one policy, making it an ideal choice for households across various living situations in the UK.
Add-Ons to Your Car Insurance Family fleet Policy.
- Breakdown cover provides roadside assistance.
- Windscreen cover allows claiming for cracked windshields comprehensive cover.
- Legal cover helps with claim-related legal costs.
- Driving abroad cover ensures EU travel.
- Courtesy car cover offers a replacement vehicle during repairs.
- Personal accident cover provides payout for road accident injuries.
- Replacement key cover addresses lost or damaged keys.
- Personal belongings cover secure items in your car.
- No claims discount protection
Get Insurance Policy Quotes in Minutes.
Keep your vehicle details handy for a turbocharged service. The faster you share your registration documents and details, the faster you’ll receive your Signature Insure quote. To get you an accurate price, we’ll ask for some key details:
- Basic personal info: Your name, date of birth, occupation and address.
- Desired coverage start date: Immediate or within 30 days.
- Additional drivers: Details of others who will drive the cars.
- Required coverage: Type of insurance and any extras.
- Claims history: Previous accidents, claims, and no claim discount (NCD) years for all drivers.
- Car specifics: Engine size, estimated mileage, and overnight parking location.
Things to Consider Before Applying for Insurance
- Do you have multiple cars? While combining them into one policy might seem like a money-saver, it’s not always the case. If you’re a younger driver in the mix, brace yourself for possible cost bumps, as insurers see them as higher risk, hiking up costs for young drivers.
- Choosing monthly payments? Sure, it’s convenient, but it may come with extra charges that will rev up your overall costs.
- Thinking of significant savings with multiple cars under one policy? Not all insurers offer big discounts, putting a cap on those expected savings. It’s all about weighing convenience against the wallet.
- Beware of the no-claims bonus! Some insurers don’t safeguard it in multi-car policies. So, if anyone makes a claim, it’s not just their cost of the entire policy —everyone pays the price with a hit to their policy , shaking up affordability.
It’s a maze out there, and consolidating cars into one policy needs a cautious eye. Take a pit stop, assess, and steer wisely before considering such insurance decisions.
FAQ’s
Does a Crash Involving Another Car on the Policy Impact My No-Claims Discount?
The impact on your no-claims bonus varies with insurance terms. Some policies only affect your premium if you’re at fault, while others may impact it regardless of fault in an accident.
Is It Necessary for All Vehicles to Be Located at the Same Address?
You should tell your insurance company about ANY changes made to your vehicle if they are different to the factory standard.
Is It Possible to Include a Named Driver in My Policy?
You should tell your insurance company about ANY changes made to your vehicle if they are different to the factory standard.
What Drawbacks Should I Consider with Multiple Car Insurance
You should tell your insurance company about ANY changes made to your vehicle if they are different to the factory standard.
How to get cheaper landlord insurance?
You should tell your insurance company about ANY changes made to your vehicle if they are different to the factory standard.
Is Family Fleet Insurance Good for Me?
You should tell your insurance company about ANY changes made to your vehicle if they are different to the factory standard.
Can I Include Motorbikes or Vans in My Family Fleet Policy?
You should tell your insurance company about ANY changes made to your vehicle if they are different to the factory standard.
What Does Family Fleet Insurance Typically Cover?
You should tell your insurance company about ANY changes made to your vehicle if they are different to the factory standard.