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Motor Fleet Insurance: How Many Vehicles Are Considered a Fleet?



A fleet of vehicles usually refers to more than one vehicle owned and operated by the same entity, but just how many vehicles constitute a fleet?

If you drive the same car daily or own two or three vehicles and use them interchangeably, you have a personal fleet of vehicles, not a commercial fleet.

However, if you have five to twenty vehicles that you regularly use in your business, this is a commercial fleet.

You’ll probably want to consider insuring those with motor fleet insurance instead of personal insurance.

What Is a Fleet?

The word fleet conjures images of ships that sail on water or planes in flight. Fleet also applies to trucks and cars used by businesses.

Generally speaking, a fleet is one or more motor vehicles operated by a single business entity that has been leased out or rented out to different owners. These vehicles may be used to transport goods and/or passengers, among other things.

To get an idea of how many vehicles make up a fleet, you must first know what type of vehicle you’re dealing with. For example, you can consider each truck as one vehicle if you’re referring to commercial trucks with trailers attached as part of your fleet.

If there’s no trailer attached, but there are multiple drivers using your commercial truck at any given time (such as with taxi services), each driver counts as another vehicle. However, when it comes to passenger cars or vans, only count them once regardless of whether they have multiple drivers using them for personal use outside work hours.

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How Many Vehicles Qualify for Motor Fleet Insurance?

If you have one or more vehicles used for work, as opposed to personal use, you’re probably looking for some sort of insurance.

One common option is motor fleet insurance. This may also be referred to as commercial vehicle insurance or business vehicle insurance. It protects your employees and passengers and your vehicles themselves.

Like an auto policy protects you from damage, a fleet policy insures those things when you’re on the road for business reasons. Many companies require their employees to have motor fleet insurance to drive company vehicles.

However, there are limits on how many vehicles can be included in your policy and other factors that can affect your costs and coverage options.

Main Consideration for Having a Fleet

When considering how many vehicles make up a fleet, it’s important to think about your business model. If you run a taxi company or operate an on-demand ride service like Uber, your company is considered an operating fleet.

Companies that own several cars to drive their employees from point A to point B are considered a non-operating fleet. At a minimum, operating fleets are required to have £750,000 in liability coverage and $50,000 in property damage insurance for each vehicle involved. Non-operating fleets don’t need nearly as much liability coverage because they usually have fewer employees who are being driven around in vehicles owned by third parties.


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