Vehicles such as everyday cars, motorcycles, horseboxes, and much more can be covered under this type of policy, including vehicles used for commercial purposes.

There are a number of ways the premium of a Family Fleet policy can help you save money:

• There is an immediate administrative cost advantage for us of multiple vehicles under one policy which we in turn can pass on to you (“bulk-buying”).
• The higher the number of vehicles in relation to drivers, the greater the premium savings can be.
• An established fleet with a good claim’s history can often benefit from some amazing discounts (“No Claims Discounts”). And the best thing is that the No Claims Discount (NCD) will be earned by all the drivers which can be particularly helpful for younger drivers.

Plus, a premium discount may be offered if some younger Family Fleet members agree to have some restrictions when establishing the policy, such as specifying which vehicle(s) they are authorised to use or installing a black box (telematics) on certain vehicles.

The whole family’s vehicles can be included in one policy, with each driver earning their own NCD. Need to update the policy? No problem, vehicles can be added or removed throughout the term. Need more flexibility from your policy? We cover all types of vehicles, even including your business ones!

The standard three different levels of cover are available (Comprehensive / Third-Party, Fire, and Theft / Third-Party only), choose what’s right for you.

We want you to enjoy driving to the fullest, so we also offer some extra services with your family fleet insurance. Benefit from:

• Unlimited windscreen repair
• Foreign use for up to 45 days free of charge
• Guernsey plate vehicles in mainland UK and abroad in Europe
• Driving other vehicles extension available when you need it

It’s on us.

1. What even is family fleet insurance?

Simply put, family fleet insurance is a method of bulk buying your vehicle cover from a single provider to benefit from the discounts available. It saves you time, money, and the hassle of taking out new policies to insure new vehicles and drivers in the future.

2. Can I include the van I use for my business?

Yes, we can offer you a bespoke Family Fleet policy to include vehicles for both personal and business use.

3. Is there a limit as to how many cars I can have on my Family Fleet policy?

There are no set limits as to the number of cars that can be included in your Family Fleet policy.

4. Will it affect my insurance if my son gets into an accident?

No! Each driver keeps their own No Claim Discount, so even if one vehicle gets clipped by a taxi, that accident won’t affect the other drivers on the policy.

5. Are Family Fleet policies cost-effective?

Absolutely, there are many ways to do that. You can insure younger drivers on the policy driving only certain vehicles, such as scooters or safer, sturdier cars. Or you can choose to install telematics on some vehicles to be able to show the safety of drivers in practice.

There are multiple other ways we can help you cut costs on your policy, please see “Options for lowering your premium” above or contact us to discuss it further with our friendly brokers.