A reliable fleet quotation depends on a complete and consistent description of the vehicles, drivers, business use and claims experience. Missing data often leads to assumptions, delays or terms that do not match the operation.
Core vehicle information
- Registration, make, model, value, weight and ownership
- Business use, annual mileage and operating radius
- Garaging, overnight parking and security
- Modifications, specialist bodies or attached equipment
Driver and business information
- Driver names or eligibility criteria, ages and licence history
- Convictions, claims and relevant occupations
- Company activities, depots, contracts and territories
- Current insurer, renewal date, terms and expected changes
Insurers usually request several years of claims experience with dates, causes, payments and outstanding reserves. A separate narrative should explain significant losses and the controls introduced afterwards.
Use one controlled vehicle schedule rather than several conflicting spreadsheets. Confirm who updates it and how additions or disposals are reported during the policy year. Accurate preparation can improve quotation quality even where it does not reduce the price.