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					How to Balance Your Car Fleet Insurance Costs
Have you been thrown in the deep end to fleet management, or are you just finding it difficult to
assimilate the many changing facets of finding the optimum performance for your car fleet
insurance and fleet management? There is increasing pressure for fleet managers today, which
means that finding the best fleet insurance deal plus being versatile in a changing market are

You will more than likely be doing a juggling act of cost cutting with ongoing reviews of
company car policies thrown in with environmental issues regarding your fleet. You need also to
be on top of the health and safety implications as well as your cost efficiency while reviewing
and tweaking your motor fleet insurance and management.

In 2009 some surveys have shown that 30% of companies are undergoing thorough reviews of
their company car policies. The evidence is that many companies are trying to achieve the
balance between the cost issues, environment and health and safety issues. As companies analyse
                                            there are increasing requirements to find cost
                                            effective motor fleet insurance policies and at times
                                            these need to be combined fleet insurance policies.

                                            Firstly considering the health and safety issues, it is
                                            good to be aware that a fair number of employers
                                            have now come to the conclusion that their drivers
                                            would be safer and more protected in company

                                              Also many of them are finishing with the cash
                                              allowance schemes and evidence shows that a lot of
                                              organisations have been encouraged by new
legislation to re-assess the risks involved when employees use their own cars. The overall
conclusion has been the company cars carry less risks.

Regarding both costs and the environment, there is analysis regarding fuel usage and the choice
of funding options. Hand in hand with this is that many fleets are putting a cap on CO2
emissions with a lot more in the process of starting to do so. There are incentives to encourage
the adoption of hybrid cars with lower emissions.

Other companies are providing diesel only vehicles. In general as part of fleet management there
is an increased commitment to monitoring CO2 emissions.

The good news is that as you are re-evaluating and aiming to go greener the insurance companies
should not penalise you for this. The types of expectations to have from your motor fleet
insurance policy are a choice of cover types or if you need it a combination of cover types.
-Third Party Only Cover
-Third Party, Fire & Theft Cover
-Comprehensive Cover

You may also wish to consider including: -Windscreen Cover -Third Party Damage Cover

Some other aspects which a good fleet insurance provider may also recommend to you are:
-Detached Trailer Cover
-Hazardous Goods Insurance
-Medical Expenses Cover
-24 hour claims assistance
-Uninsured Loss Recovery
-Breakdown & Recovery Assistance
-Personal Effects Cover
-Replacement Vehicle Cover

For the moment the patterns to go greener with fleets are more notable throughout larger
companies. However between legalities and genuine concern for our environment this is trickling
down throughout companies of all sizes. Current statistics of 2009 state that if an organisation
has over 10,000 staff these were the ones that had drafted their policy with the environment in
mind whereas companies of 250 staff or less results show that only 40% of these are dealing with
the green issues.

Even though it does cause extra work there are long term positive cost implications to be had as
well as the environmental benefits. The trick is to find the balance between the necessary costs
such as car fleet insurance with the environmental changes, to drive forward your fleet
management successfully and cost effectively.