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Fleet business owners are endeavoring their very hard to keep themselves in the" extraordinary situation" of being able to get cover from another insurer within a few minutes much quicker than many of its rivals. It is also estimated that uninsured drivers cost the industry up to 500 million a year, putting an average 50 on all our fleet insurance premiums. Drivers must now insure their cars, yet they are hit by an uninsured driver will not suffer loss of their excess or no-claim discount.