How to Insure a Fleet of Unusual or Non-Standard Vehicles

With a fleet of non-standard vehicles, it can be difficult to find an all-encompassing insurance policy which provides you with the level of protection you need for each vehicle.

By working with a fleet insurance expert, you drastically increase your chances of securing a suitable policy which is perfectly tailored to your array of business vehicles, no matter how unusual they may be. 

What is considered an unusual or non-standard vehicle?

Generally, vehicles which are considered as ‘unusual’ or ‘non-standard’ by insurers are those which are special purpose vehicles.

In terms of special types vehicles, this could include:

Non-standard or unusual vehicles, in terms of insurance, might also refer to classic/high-value cars, horseboxes, modified vehicles, flatbeds and more. 

Speak with the fleet insurance specialists to insure your non-standard fleet.

Are construction fleets non-standard?

Construction fleets are generally considered as non-standard vehicles because they exceed the dimension and weight limits of standard ‘road vehicle’ regulations. 

On top of this, construction fleets almost always have multiple types of vehicle, which vary in size, usage, risks and operators. 

As a result, insurers view these vehicles differently, due to the unique risks and repair costs associated with them.
 

Check out our guide to protecting your large construction fleet.

 

Are agricultural fleets non-standard?

Agricultural fleets are also typically considered as non-standard vehicles by insurers. They do not fit the general criteria for car or van insurance policies, and as a result, they must be covered separately.

Again, agricultural fleets may include a variety of different vehicle types such as tractors, combines, dump trucks and many more. These all vary in size, value and purpose, which makes insuring them all under one policy much more difficult. 

Find out more about how agricultural plant fleet insurance works.

How do you know if you need non-standard vehicle insurance?

You can expect to need non-standard vehicle insurance if your vehicle(s) fall outside the generic vehicle profile which most mainstream insurers would consider ideal. Standard insurance is designed for ‘low-risk’ vehicles/scenarios, based on the driver and the type of vehicle itself.
 

Regarding ‘non-standard fleets’, you move into the non-standard or specialist market in the following cases:

The requirements for fleet insurance on non-standard vehicles

For fleet insurance, providers don’t just look at the vehicles, they also look at your business operations.

To secure a desirable policy for non-standard fleet vehicles, you’ll need to meet some specific requirements and collate some documentation or information:

Given that securing fleet insurance for an unusual array of vehicles can be tough, it’s often recommended that you work with a specialist provider who can survey a wide range of insurers to find the best and most suitable deal.

How to insure a fleet of non-standard or unusual vehicles

Insuring your fleet of non-standard or unusual vehicles at a reasonable price normally requires that you work with fleet insurance specialists, instead of using automated quote engines from mainstream insurers. 

Using standard comparison sites often leads to inflated quotes, because they won’t be able to automatically consider all aspects of your fleet and insurance needs, meaning they default to the highest level of non-standard cover across the board. 

Working with a specialist provider such as FleetCover means you don’t have to navigate, or manage, the complex side of non-standard vehicle insurance. We’ll contact a wide panel of insurers using a detailed underwriting report to find the best prices for the level of coverage you want across all vehicle types. 

Get in touch today to get started.