Something about the nature of insurance seems to make people want to pay as little as possible for it. Cars on the other hand, people seem to be willing to pay through the nose for, but when it comes to insurance, everyone wants the cheapest. The latest way of doing this is by grouping everyone that lives in the same house under a policy called family fleet insurance.

So fleet insurance sounds ideal for families who are all careful drivers (yeah right). What about people living with a boy racer? It sounds possible that they could end up paying more with all family members on the same policy.

The traditional look of a fleet for insurance purpose is about 100 Vauxhall Cavaliers insured by a firm for their sales reps. This isn’t actually how most fleets are made up. Many vehicle fleets are made of mixed vehicles. Tractors, Cars, HGVs, Minibuses, Lorries and even Motorbikes can end up insured under a fleet insurance policy.

If you’re really, really bored on a long journey a cheap (very cheap!) way of amusing yourself is to look at each vehicle that you pass (or passes you) and trying to work out whether they are insured under a fleet insurance policy or not. The good news is that this is a game you can’t lose (unless you’re planning to stop each of them and actually ask whether they are insured with a cheap fleet insurance) but to help make sure you win you might like to consider these tips;

Sign written vehicles have a good chance of being insured under a cheap fleet insurance policy. Cheap looking cars or vans are probably insured on their own or not at all! Young men driving fast are a no-no, middle aged men driving fast are a racing certainty, in more ways than one! Lady drivers? Probably not! Policemen? Almost certainly! Butchers, Bakers, Candlestick makers with fleet insurance- maybe! It’s a good game isn’t it?

So should you insure your vehicle on with fleet insurance? Well, it sounds obvious but first find out it it’d be cheaper that way, and if it would, go for it! It’s probably best not to ask a Meerkat or an overly large opera singer, the chances are they won’t be able to help you with fleet insurance. It’s best to ask a real live person who specialises in insurance to advise you on the best policy to suit your unique requirements.

If you think that you could benefit from fleet insurance then you should give Coversure a call. They are specialist insurance brokers with long-standing relationships with some of the country’s top insurance providers so they can make sure you get the best deals on anything from fleet insurance to caravan insurance.