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commercial fleet insuranceVan and Commercial Vehicle Insurance

We all love our vehicles. They get us from point A to B and they do so efficiently. One thing that they are prone to, however, is breaking down. That… and getting into accidents.

The big concern when it comes to this is, of course, physical injury to those involved. However, even beyond this standard health concern, there is the material damage aspect. It can be quite expensive to have to repair all the damage a particular vehicle(s) sustained in an accident, or even pay off the damage that a third party sustained. This is why it is recommended to get a car, motorcycle, van etc. insurances. This type of insurance provides financial compensation in the event of damage you inflicted or sustained during a disaster involving vehicles that may or may not have involved a third party. This is only more true for companies with commercial vehicles and fleets, as they also have to think about their employees’ mistakes.

That is what this article is all about. In it, you will information on the types of insurances in this category in Ireland, what they offer, and what are the advantages and disadvantages of each.

 

Van and Fleet Insurance

If you are someone with a van or own a business that works with fleets of several of them and needs commercial fleet insurance, then you will need a good internet insurance broker.

We at AOR brokers are one of Ireland’s leading van and fleet insurance specialists. They shop the market of up to 21 different insurance providers to make sure you get the most benefits and broadest coverage for the least amount of money.

Registered in Ireland and regulated by the Central Bank of Ireland, we cover a wide range of possible accidents including windscreen cover, breakdown cover, trailer cover, bonus protection, and much much more (acceptance criteria, terms, and conditions apply).

The great thing about them is that if you have a fleet of two or three vans or trucks, you can still make use of their services (unlike some brokers and insurance providers which demand you have a minimum of five vehicles).
What makes this broker great for commercial business is that they also have deals for liability insurance, which will cover the possible mistakes of you or your employees for as little as €1 a day. You can then pay more money for additional benefits such as fire and theft coverage.

 

Fleet Car Insurance

Although the primary focus of this article is on van insurance, it is still important to mention car and motor insurance as they are also vehicles which can be damaged or cause damage. If you are concerned with car insurance, then we have got you covered as well. Within their fleet insurance policy, they also cater to cars (commercial cars), HGVs or even buses!

All things considered, we are a great option either for new customers or existing customers who wish to renew their policy online, with amazing insurance quotes and great service.

If you are looking for brokers which work with individual cars as well, then Allianz Ireland will probably suit you. They are more specifically geared towards cars and smaller vehicles than vans.

When it comes to motors, most companies that offer car insurance will also offer motor insurance services. In fact, this is a trend among insurance companies/brokers, and it is not rare to find those that specialise in van, fleet, car, but then also pet, farm, office, and/or property owner (or just property) insurance!

 

Frequently Asked Questions

The other half of this article will deal with all the questions people frequently ask about vehicle insurance in Ireland. The questions deal with van and fleet insurance but will also touch upon dilemmas people have with other types of insurances.

If you have a question that was not answered in this section, then we advise you to write directly to one of the insurance companies we have mentioned here and ask them. They should be able to help you.

 

How do I make a claim?

To file a claim, you first have to call your agent/broker. Generally speaking, they will give you instructions on how to proceed and exactly what documentation you need to gather related to your incident.
Afterward, it is important to make copies of that documentation in order to back it up. Find out from your agent/broker the time limitations you have for delivering the documentation. Sometimes you will need to provide damage estimates.

 

What is a no-claims bonus?

A no-claims bonus (NCB) or a no-claims discount counts the number of years in which you have not filed a claim on your insurance policy. This bonus/discount builds up and it is not rare to receive quite the handsome discount after about five years of not filing any claims.

 

What is a named driver?

You can add a named driver, they are an insured driver who drives a vehicle that is normally driven by another driver most of the time. In other words, they are a secondary driver of the insured vehicle.

 

Final Thoughts

We give you options when choosing how to go about insuring your vans and commercial vehicles. Commercial fleets do high mileage and are prone to accidents. In such an event, you do not want to be caught in a situation where you are liable to pay a huge amount of money in damages.

It is better to be covered and we at AOR Insurances are one of the best options for van and fleet insurance in Ireland.