Motor Fleet

One policy covering all company vehicles, comprehensive or third-party only, rated and renewed on fleet claims experience

A fleet policy insures all vehicles owned or operated by a company under a single contract, with one renewal date and one schedule. Rating follows the fleet's own claims record rather than each vehicle individually.

  • Comprehensive for own damage, fire, theft and third-party liability
  • Third party liability only for older vehicles, or where own damage is retained by the company
  • Cars, pick-ups, buses, trailers and road-registered plant can sit on the same policy
  • Vehicles added and removed during the period on a pro-rata basis
  • Deductible levels used deliberately to control premium on frequent, low-value damage

Driver selection, licence checks and accident reporting discipline affect renewal terms more than any other factor. We prepare the fleet presentation, market it, and run the claims process with the insurer.

Included

What this covers

How it works

From enquiry to cover

1
We map the risk

A short conversation about what you do and what you own, so the cover matches reality.

2
We go to the market

We compare wording and limits across insurers, not the premium alone.

3
You choose, we place

We explain the differences in plain terms, then place the policy you pick.

4
We run the claim

If something happens, the file is ours to follow through to settlement.

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