Agricultural
Fleet Insurance

Question: Can anyone drive a vehicle on fleet insurance?

With fleet insurance, you can cover any driver to any vehicle. Alternatively, you can also insure specific drivers to specific vehicles. You can also choose any driver over 30, 25, or 21 to drive all vehicles!

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Question: How can I reduce my fleet insurance costs?

By regularly checking your drivers' data, you can gain insights into what areas need improvement. Discuss this data with your drivers to encourage better driving and reduce the occurrence of accidents, which should help you broker negotiate cheaper rates when it's time to renew your fleet insurance.

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Question: Is fleet insurance worth it?

While fleet insurance can be highly beneficial for most businesses, there might be times when it's better to stick with a single vehicle policy. Usually the main factor in deciding this is the size of the fleet you want to insure.

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Question: How is fleet cost calculated?

By dividing fixed and variable costs by the number of miles traveled, businesses can pinpoint the exact cost of operating their fleet per mile. This calculation helps assess the financial impact of fleet management decisions, from vehicle acquisition to maintenance strategies.

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Question: How many vehicles does it take for a fleet policy?

While the specific number varies based on the insurance broker and regional regulations, in general, a fleet is considered to be anywhere from two to five or more vehicles owned by a single entity or business.

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Question: Is there a driver's age limit for fleet insurance?

Fleet insurers typically have an age limit for the drivers they will insure. They usually exclude any driver under the age of 21, however, the exact age varies depending on the insurer. Always check this detail if you are searching for fleet insurance for young drivers.​​

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Question: How far can you drive an agricultural vehicle?

There's no set distance limit for driving agricultural vehicles, but certain rules and regulations apply depending on the type of vehicle and the activity, including the need for an operator's license for certain distances and types of transport.

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Question: Is fleet insurance cheaper than individual insurance?

In most cases, fleet insurance is cheaper than individual vehicle insurance. If you have two or more vehicles within your company, you will likely benefit from getting a fleet insurance policy to cover all your vehicles together, rather than under separate policies.

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