Fleet Insurance for Removal Companies

Your fleet of removal vehicles needs specific tailored coverage against a number of unique risks associated with removal activities. 

Your business fleet should be covered with both goods in transit and hire and reward insurance, as well as a number of other removal-specific policies and aspects, under one simple policy – this policy is fleet insurance for removal companies.

What is removal fleet insurance?

Removal fleet insurance is a specialised policy catering to removal companies or businesses with at least two vehicles on the road. It’s designed to cover your business as you transport furniture and goods between properties, with simplified management and one renewal date for your entire fleet. 

It typically provides general vehicle coverage, goods in transit, hire and reward, and public and employer liability insurance as standard, though policies can vary to include additional aspects based on the needs of your business. 

What does removal insurance for fleets cover?

Removal fleet insurance policies include all of the insurance aspects relevant to removals businesses, including damage to furniture and other client belongings:

• Motor Fleet Insurance – Designed to protect the removal vehicles themselves (vans, HGVs) against accidents, theft and vandalism.
• Goods in Transit – Coverage to theft, loss or damage to furniture or other belongings/household goods being transported.
• Liability – Including public liability for damage or injury to third party property or individuals, and employers’ liability to cover staff injuries.
• Storage Insurance – If your services include storing items between moves, an optional extra is storage insurance.
• Specialised Add-Ons – Features such as loss of keys cover, temporary special vehicle additions, and protection for other tools and equipment.
  

The specifics of what is covered will vary between policies, entirely dependent on your needs and requirements.

Why you need specialist insurance to cover a fleet of removal vehicles

You need a specialised insurance policy to cover a fleet of removal vehicles because no standard policies will cover all of the unique risks associated with loading, transporting and unloading customers’ household goods and possessions. 

A specialised policy covers the vehicles in your fleet and the tasks they are used for, meaning you won’t be hit with any unexpected claims as a result of general and unavoidable issues which occasionally arise.

The risks of not properly covering a removal fleet

Not properly covering your removal fleet can have serious consequences; financial, legal and personal. Here are some of the main risks associated with failing to properly cover your fleet:

• Large compensation claims – Without proper goods in transit coverage, your company may be fully liable for lost or damaged personal property.
• Business downtime – If your plan doesn’t include replacement vehicles or enable quick repairs, accidents can cease operations for days, even weeks.
• Breach of road traffic act – Inadequate coverage could violate road traffic laws as well as customer contracts, leading to legal difficulties.
• Reputational damage – Damage to personal property without adequate compensation can lead to negative reviews and damaged public image.
  

Effectively, without proper cover, you risk paying big legal and compensation fees, reputational damage, and even facing legal consequences.

Removal company fleet insurance with FleetCover

If you’re the owner of a removal company and need one simple and comprehensive policy, get in trouble with FleetCover today. We specialise in providing bespoke policies for fleets of all sizes, including the features and level of protection you need with no hidden extras. 

Get your free quote today.