Fleet and business car operators will have been delighted to know that the Chancellor of the Exchequer, George Osborne has made a decision to defer the scheduled January petrol duty rise until 1 August this year. All we’d like at this point is a little help with locating cheap fleet and company car insurance.
Osborne made the statement within his autumn budget announcement. There was other good information as well. Business car as well as Fleet owners likewise heard the Government had chosen to do away with the inflation-linked rise that was expected in August 2012.
What all of this implies for the company vehicle and fleet operator is that(assuming there are no oil value increases) unleaded fuel and diesel will go up by only 3p in the next 9 months. It’s not quite a decrease in costs, however it helps to reduce the continuous increased costs of running company cars and fleets.
So exactly what alternative things could company car and Fleet owners do to reduce their expenses. I’m pretty convinced that one important thing they could look at is insurance. There are plenty of factors they could take into account to help themselves… and it’s not always to simply locate the cheapest fleet or company car insurance policy. For example:
- Find a good broker to look at the marketplace then advise you on the most cost effective policies rather than simply the lowest priced
- Look at the excesses you are paying on claims and weigh them against the discount you will get – big excesses don’t always make for the best value
- Look after your claims history. Insurers will always review your background when they underwrite. You can do this by educating drivers. Several fleet and business car owners even reward mindful motorists or even penalise the reckless ones.
It looks to me that in these difficult times all businesses needs to be concentrated on saving money and it is often the case that the automobiles, lorries, trucks, vans, busses or even coaches that the business operates amount to a key cost. To save money a great fleet or company car owner will have to look at all these areas that will help run his business more effectively.
As I pointed out, employing a broker can be the best means to get not just the cheapest but also the most appropriate insurance for your fleets of trucks, busses, coaches, vans, cars, and lorries. A decent insurance broker will be able to find the right policy for an individual company car van truck lorry bus or coach.
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