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How does a Family Fleet work?

If you have more than one vehicle kept at your home, you could get a great discount on your insurance. Your ‘family fleet’ could consist of just yours and a partner’s car, or it could include your children’s cars: it’s not unusual these days for a household to have three or more cars. Your family fleet could also include a motorcycle, a camper van or a horse box… It can be expensive to insure these individually, but with family fleet insurance, the more vehicles you own the bigger a discount you could receive!

Family fleet insurance works in much the same way as standard insurance cover, except you take out one policy for several vehicles. Policies typically cover between two and five vehicles. Generally the more vehicles on the policy, the bigger the discount – up to 20% for some insurers. Most insurers insist all the vehicles involved are registered to the same address, and commercial and company cars aren’t usually covered.

With many different types of vehicle on the policy, more flexible options of cover are available. For example, you might want to cover your main family car for travel abroad, but not another. Or you might choose to opt for third party, fire and theft for a car of little value and have comprehensive cover for a more expensive car. You can also apply different excess amounts to different vehicles on your policy.

Can I keep my no claims bonus?

If you want to insure a less experienced driver as part of your family fleet, it’s important to check that your no claims bonus is protected! Each insurer is different, but many Family Fleet policies now offer to protect your no claims bonus. Our advisors will check this information for you, and advise you of the best policies that protect your no claims.

Named drivers are usually allowed to accumulate their own no claims discount (NCD) in case they want to take out their own policy in the future. You can include all members of the household, and some policies will also insure a motorist at a different address, perhaps a child who is away at university. The drivers listed on the policy don’t have to be family members, but there might be a minimum age, often 21 or 25.