Commercial Motor & Fleet Insurance in Northamptonshire
Covering small, self-employed tradesman with just a couple of vehicles, to more established businesses with large fleets of vehicles, gsi insurance provide a range of fleet insurance policies to suit every requirement.
Each client is assigned their own personal Account Handler who assists during the lifespan of a policy, meaning you always deal with the same person and they will always understand what you need help with.
Individual or Fleet Policy?
A Fleet Insurance Policy is likely to cost considerably less than running a number of individual policies, it’s also a much easier and cost-effective way of managing your various insurance requirements. It’s even possible to mix vehicle types for both personal and commercial use.
gsi insurance have policies available for a mix of vehicle types for both personal and commercial use and can make sure your additional cover is taken care of too, from breakdown assistance, windscreen cover and legal expenses to policies specific to your individual business type. For example, Haulage Contractors and Courier services would often need Goods in Transit Insurance and Public Liability, whereas a main contractor might only need to get to and from site.
Each tailored policy can be created to cover you and your team for:
Third-Party Only
This is the minimum legal requirement by law and covers you against any loss or damage that you may cause to others.
Third-Party Fire & Theft
Third-party fire and theft also protects you if your vehicle is stolen or subject to a fire, this is in addition to Third Party Only cover.
Comprehensive Cover
Comprehensive cover is the same as third-party fire and theft, but additionally, the cover also includes damage to your own vehicle.
Motor Legal Expenses
Cover your business for up to £100,000 of legal assistance in the event of a motor accident. gsi insurance can also arrange for recovery of uninsured losses, 24-hour legal helpline and vehicle hire cover.
Vehicle Breakdown Cover
gsi insurance can keep your company on the road, even in the event of a breakdown. Roadside assistance is available anywhere in the UK or Europe with optional Home Start cover meaning your team can get back on the road, fast.
Total Loss Car Hire
Cover yourself, or your workforce with a hire car or small van in the event that you suffer a total loss claim.
Many businesses don’t realise that while a standard car or van insurance policy will often provide a hire vehicle if you suffer a non-fault accident, in the event of a total loss claim due to a fire, theft or an accident where the fault lies with your company, a hire vehicle is not automatically provided.
GAP Insurance
If your vehicle is written off altogether, a GAP insurance policy will protect your business from any resulting financial loss. It fills the gap between the market value that your insurance policy will provide cover for and either the original purchase price, or any outstanding finance contracts.
Excess Protection
An Excess Protection policy covers the cost of paying out a high excess in the event of a claim on your motor insurance policy.