11/05/2026
Fleet Insurance provides comprehensive protection for businesses that operate multiple vehicles under a single insurance policy.
Unlike standard commercial vehicle insurance
where each vehicle is insured individually, fleet insurance allows businesses to insure
multiple vehicles under one policy with simplified administration and broader operational flexibility.
This type of cover often allows for features such as pooled drivers, flat rating
across vehicles, simplified vehicle additions and removals, and consolidated policy
management, making it easier for businesses to manage large vehicle operations efficiently.
Insured Events
• Accidental Damage
Covers repair or replacement costs if any insured fleet vehicle is damaged in a road accident or collision.
• Theft and Hijacking
Provides cover if any fleet vehicle is stolen or hijacked, including attempted theft that results in damage to the vehicle.
• Fire and Explosion
Protects fleet vehicles against damage caused by fire, explosions, or resulting smoke damage.
• Natural Disasters
Provides cover for damage caused by natural weather conditions such as floods, storms, hail, lightning, and other insurable natural events.
• Third Party Liability
Covers the insured's legal liability for injury to third parties or damage to third party property
resulting from accidents involving fleet vehicles.
• Car Hire
Provides temporary replacement vehicle hire following an insured incident while the insured
vehicle is being repaired.
• Credit Shortfall
Covers the outstanding balance owed to a finance provider if the vehicle is written off and the insurance payout is less than the finance amount owed.
• Towing and Recoveries
Covers the cost of towing and recovering a vehicle after a breakdown, accident, or insured incident.
• Repatriation Costs
Provides cover for transporting the vehicle, driver, or passengers back to their home location following an accident or breakdown far from the base of operations.
• Cross Border Liability
Provides liability protection when fleet vehicles operate outside the country in approved neighbouring territories.
• Roadside Assistance
Provides emergency support services such as battery jump starts, tyre changes, and minor
roadside mechanical assistance.
• Driver’s Temporary Accommodation
Covers the cost of temporary accommodation for drivers when they are stranded due to an
accident or breakdown far from their base location.
• Vehicle Accessories
Covers non standard accessories attached to the vehicle that are used for operational
purposes.
• Permanently Fitted Equipment
Protects specialised equipment that is permanently installed in the vehicle for business use.
What is Covered
• Company owned vehicle fleets
• Delivery and logistics vehicles
• Trucks and commercial transport vehicles
• Company cars used by employees
• Permanently fitted vehicle accessories
• Fleet management under a single policy
Ideal For
• Logistics and transport companies
• Courier and delivery businesses
• Construction companies with multiple vehicles
• Service companies operating field vehicles
• Corporate businesses with company vehicle fleets
