One question that many entrepreneurs have when they start to see their businesses grow is how contain costs. Hiring staff and salespeople (or delivery drivers) requires buying or renting vehicles with all the associated costs. Let's see how minimising the cost from fleet insurance for the company vehicles.
The most important thing is to compare
Like everything else, until we have two or three options on the table, we will not be able to know if we are making the right choice between the different options. The downside of doing this is that it takes more time, if we go to different companies or different suppliers. The good thing is that it will then allow us to be able to choose between alternatives.
However, we should be aware that a Insurance Brokerage will allow us to talk to a single interlocutor, and he or she will be in charge of budgeting in several places in order to offer us the best proposal.
As we have already explained in other articles, the importance of the SINCO car insurance bonus is huge, and on them probably depends to get a better or worse price on our fleet.
What coverages do I want depending on the vehicle it is
In order to make the right choice of where to take out insurance, we also need to know how we want to hire you.
Depending on the type of vehicle and the seniority of the same, we may be interested in taking out comprehensive or third party insurance. This will determine whether our insurance will cover the damages suffered by our vehicle or not.
Our advice? Up to 5-6 years it may be of interest to have an All Risks policy. In addition, if the insurance is taken out with franchise, The cost is greatly reduced.
And if I have them through leasing, what about insurance?
The truth is that we should choose a leasing company that allows us to choose the services we want to have with them.
We may think that by including everything in the lease we will get a better deal. There will be times when it is and many times when it is not. As with everything, it is a question of comparing and evaluating.
Unfortunately, we have encountered several occasions where insurance was charged at more than 1,000 euros for a car, which in our case was half the price.
If you want us to help you:
- In the recruitment process
- In view of fleet renewals
- In the event of a claim, to speed up dealings with the insurance company and help if there are problems.
From PIB Group Iberia we have thousands of insured vehicles, helping to dozens of companies in your day-to-day business. With just one contact person, enjoy all these advantages without obligation.
