Business vehicle insurance a valuable asset in winter

The arrival of winter will bring many new challenges for Australian organisations looking to maintain or improve on the performance levels of the summer season.

Organisations which operate a fleet of company vehicles will also want to take this time to reassess their current risk management strategy and determine whether they have a sufficient level of business vehicle insurance.

Driving in winter is particularly risky for vehicle operators, as visibility will be diminished and the weather may be unpredictable and problematic.

It is also important to remember that the change of season can bring with it an increased risk of animal collisions in rural areas, as wildlife are often more active during the spring and autumn months.

Having sufficient levels of commercial car insurance gives your organisation protection against any accidental damage which might occur to fleet vehicles.

Furthermore, should one of your organisation's vehicles be involved in an incident then your enterprise will be covered for the liability of that damage.

Organisations looking to ensure that their fleet is comprehensively insured for winter will also want to take into account factors such as the potential cost of rental vehicles and emergency travelling expenses.

It may also be worthwhile implementing some level of driver education in your fleet, to ensure that employees are aware of safe winter driving practices.

The annual road toll in Australia has been steadily dropping over the last few years. In 2012, 1,291 people lost their lives on the road in this country, down from 1,352 in 2011 and 1,488 in 2010.

Organisations which operate a vehicle fleet can assist with lowering that number even further by reminding their drivers to take care and drive with safety at all times.

By combining comprehensive commercial motor vehicle insurance with driver education, your organisation can ensure the safety and security of its fleet this winter.