Different types of vehicles used for commercial purposes

Types of Vehicles Covered by Fleet Insurance

Sep 7 2021

If you need coverage for around 3 or more vehicles, you would need to get fleet insurance. Having one fleet insurance policy can bring in numerous benefits, over having multiple commercial auto insurance policies. Some of the biggest benefits include cheaper overall rates, easy endorsements, and overall seamlessness in insuring commercial vehicles. 

When you hear “fleet insurance”, do you think of service cars, cabs, rental cars, or trucks? Whether you choose some on this list, or all of them, you’re still correct. Fleet insurance, from the right insurance provider, is so flexible that it can cover various types of vehicles. 

In this article, we will discuss the types of vehicles that can be covered by fleet insurance based on factors like age, use, model/make, mixed fleets, and so on.  

Commercial vans going out of a tunnel

The Type of Vehicle (Model/Make) 

A commercial vehicle is, essentially, one that is used for business or commercial purposes. Commercial fleet insurance can cover various types of vehicles of different models and makes. 

Here are some examples of commercial autos that can be included in your fleet insurance plan:

  • Cars and cabs 
  • Vans and SUV’s
  • Limousines
  • Minibuses and buses
  • Mini trucks and pickup trucks 
  • Trucks: delivery trucks, cement trucks, tow trucks etc.  
  • Trailers: enclosed trailers, flatbed trailers, gooseneck trailers, step-deck trailers, etc. 

In the above section, we mentioned a few types of vehicles that are classified as large goods vehicles (LGVs) or heavy goods vehicles (HGVs). LGVs and HGVs are a term for any truck or trailer that has a vehicle weight of over 3,500kg. Because these vehicles can be included in fleet insurance, it can cause confusion - leading some to think that mobile equipment is also included. 

Mobile equipment is different from commercial vehicles and they typically need a different type of insurance altogether. One simple way to tell the difference is to ask yourself: where is the machine primarily used?

Commercial vehicles are typically used for the transport of passengers, goods, or materials; their objective is to go through public roads. Meanwhile, mobile equipment is typically for specialized off-road use - even if they can sometimes go through public roads now and then. 

Here are some examples of mobile equipment that are typically not included in fleet insurance: 

  • Steam rollers, scrapers, and graders (used for road maintenance or resurfacing)
  • Stiff boom cranes, folding boom cranes, hydraulic all-terrain cranes (wherein the cranes are permanently attached)
  • Crawler bulldozers, wheel bulldozers, mini bulldozers
  • And other similar vehicles

The Purpose of the Vehicle 

As we’ve mentioned earlier, fleet insurance from the right insurance provider can be very versatile. This applies to the purpose of the vehicle as well. 

Commercial vehicles that are used for the following can be insured by fleet insurance:  

  • For rent or hire
  • For making product deliveries
  • For transporting employees
  • For transporting third-party individuals
  • For transporting materials, tools, and equipment

The Age of The Vehicle 

The age of the commercial vehicle generally does not determine whether it’s insurable or not. However, the age of the vehicle can affect your fleet insurance premium. Instead of age, most insurance companies look into how well-maintained the vehicles are and what protocols you take to ensure that they stay that way. 

A Fleet With Different Commercial Vehicles 

You don’t need to have an identical fleet for you to have commercial fleet insurance. Even if your fleet has different types of commercial vehicles, you can still have them insured as a single fleet. 

For instance, you may have a few delivery trucks and a few cars that employees can use to meet with clients. All of these vehicles can belong to one fleet that is all under one easy-to-manage policy.

Commercial Car or Vehicle  

Can a Commercial Car or Vehicle Be Uninsurable? 

Let’s address the burning question that most of you may have. Can a commercial vehicle be, in fact, uninsurable? 

As we’ve discussed, fleet insurance can cover a vast array of vehicles of different ages, types, uses, and so on. But you may have heard of some business owners getting denied commercial fleet insurance after applying for it. 

As long as your vehicles really classify as functioning commercial vehicles (e.g. cabs, buses, trailers, trucks) are legally registered and are well-maintained, then you are eligible to apply and likely to get insured. 

However, the following factors may result in your commercial fleet insurance application getting denied. Note how these are mainly contextual factors, and not about the commercial vehicles themselves. 

  • Having a record of insurance fraud in the past
  • The business having been declared bankrupt before
  • Having a history of excessive claims in the past
  • The insurance company does not offer specialized plans for a high-risk industry that the business falls into
  • The insurance company deems that the drivers/employees of the business have too many violations or at-fault accidents on their records

One caveat to remember is that not all insurance companies are the same. In fact, for business owners, the wide array of choices for insurance plans and insurance companies can be, at times, overwhelming. 

Some business owners who get denied a commercial insurance plan (such as commercial fleet insurance) may opt to try their chances with another insurance provider. But whether a business has been previously denied or they’re just trying to make the perfect choice from a wide array of insurance offers, it can be a long and winding process. 

This is where insurance brokerage companies, like KASE Insurance, step in to make the process more seamless and beneficial for everyone.  

Get Hassle-Free Fleet Insurance That Your Business Can Count On 

Whether you have 2, 3, 4, or a hundred commercial vehicles in your fleet - and whether or not they are different types of vehicles - we can personalize fleet insurance exactly for your needs. This is our specialty here, at KASE Insurance.  By personalizing insurance plans, we give businesses exemplary coverage, without unnecessary costly riders. 

On top of the personalized insurance plans we offer, we also give award-winning end-to-end service that makes insurance completely hassle-free and easy. Our expert team will help you from negotiating premiums to following up on claims. You’ll always have us to advocate for your business.

If you have more questions about the types of vehicles fleet insurance can cover or about what we can do for you, contact us today!  You can also request a quick quote here.  


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