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Commercial Fleet
Dickson & Co work with local and international insurers to offer competitive, tailored fleet insurance for your private fleet or company fleet vehicles

Dickson & Co offers flexible fleet insurance at competitive prices, with introductory discounts available. We’ll search our panel of leading local and international insurers to find the cover that’s right for your fleet – at the best price available. Our fleet insurance experts have vast experience in providing specialist fleet cover for all sizes and types of multi vehicle fleets. We can provide fleet insurance cover for three or more private or commercial vehicles and will cover a vast range of fleet vehicles. This includes fleet cars, fleet vans, lorry fleets, fleet HGVs, taxi fleets and fleet couriers – and any mix of these vehicles.

Covering all of your fleet vehicles under a single fleet policy will save you both time and money.
The credit crunch may well have caused many prices to fall, mainly because traditional markets have become more difficult to sell to, or have disappeared completely. Business has contracted throughout the country as a result and the haulage industry has suffered more than most as work has dried up and profit margins have come under more and more pressure. This is perhaps not the time for vehicle insurance costs to actually increase but that is what is almost certain to happen as a result of an increase in fraudulent claims, higher compensation payments and a greater level of theft and malicious damage. Commercial vehicle owners have to watch every penny in these difficult times, so vehicle insurance is a ready candidate for going under the microscope.

How can the cost of it be reduced?

Firstly let's state the obvious and say that insurance premiums are calculated in accordance with perceived risk. The way to get lower premiums is to decrease that risk, and there are a number of steps that can be taken to achieve this. Theft and vandalism are major concerns and since most of these hazards occur whilst vehicles are unattended some insurance companies will offer reduced quotations if all vehicles are regularly parked up overnight in a secure garage or compound. Dickson & Co will look at your Commercial Fleet and access where possible savings can be made to your policy and deliver a high standard of cover.

A rather more contentious issue is the ages of drivers; insurers look upon younger ones as a bad risk generally, and some have an upper age limit as well. This can mean some policies can be expensive and difficult to put in place. We have a list of insurers who can work with us to offer a fleet insurance package that covers all ages across your business fleet and our expert staff are on hand to make the process proceed as smoothly as possible.

Staff training is a potential way of reducing insurance costs if drivers are put through approved safety courses, which will not only give the benefits of a potentially lower accident rate but could also teach the drivers how to use driving techniques which will cause less stress on the vehicles as well as less wear and tear on tyres and braking systems, and lower fuel consumption. A competent specialist broker should be able to discuss suitable training systems with insurers on your behalf.

One way of decreasing premiums generally is to look into the possible advantages of having fleet insurance to cover all vehicles that the company owns, rather than insure them separately. Usually it is not only the lorries, trucks and vans which are covered under these policies but also any company owned saloon cars or even personally owned vehicles belonging to members of staff. Perhaps even the managing director's 200 mph Bentley Continental could be insured at a reasonable price with a policy like this? No matter what the fleet size or combination, Dickson & Co will deliver the correct solution for your business.

For more information on our insurance products contact any of our branches
or click get quote for business insurance tailored to suit your needs.

Omagh 028 8225 1241  Newtownstewart 028 8166 2002  Dungannon 028 8772 6082  Cookstown 028 8676 2048  Newry 028 3026 5447
Dickson and Co is a trading name of Dickson and Co (NI) Limited which is registered at 54 Dromore Road, Omagh, Co Tyrone BT78 1RB with number NI072179. Authorised and regulated by the Financial Conduct Authority in the United Kingdom and regulated by the Central Bank of Ireland for conduct of business rules. We are covered by the Financial Ombudsman Service. You can find out more at www.financial-ombudsman.org.uk