Whether commercial vehicles, cranes or HGVs, if your motor fleet is the backbone of your business operations, you want to be sure that both vehicles and drivers are well insured. Your motor fleet insurance not only offers a high degree of flexibility regarding types of cover, but also when it comes to fleet management – so you can be sure of the best possible cover for your motorised capital.
- Optimum benefits through partnerships with a glass breakage specialist, a network of quality vehicle repair shops and EUROP Assistance
- No premium
- Passenger protection
- Parked vehicle damage insurance for passenger vehicles
- Premium reduction for the environmentally aware
Optimal security for you and your motor fleet
In addition to mandatory third-party liability insurance, motor fleet insurance offers:
- Partial accidental damage cover for losses caused by theft, fire, natural events, glass breakages, vandalism, etc.
- Comprehensive accidental damage cover including cover for collision damage to your own vehicle. This also includes the benefits offered by partial accidental damage cover. A parked vehicle damage insurance policy can also be concluded on request.
- Accident insurance that allows you to insure the driver and/or passengers using the insured vehicles.
- Fleet assistance offering medical care for passengers and/or technical roadside assistance for vehicles under 3,500 kg (passenger vehicles, motorcycles, delivery vehicles, caravans, lightweight camper vans or trailers with an unladen weight of less than 350 kg). It is valid for a maximum of 90 days abroad.
There are lots of good reasons to take out motor fleet insurance:
- Surplus participation: In the case of third-party liability and accidental damage insurance, the surplus participation is defined based on the size of the motor fleet and the policy's claims ratio.
- Simplified administration: The statistics, fleet details and the automatic adjustment of the provisional premium to the status of the motor fleet as per 1 January make premium development clearer and simplify the administration of the motor fleet.
How motor fleet insurance works – an example
"On the road" is a company with three subsidiaries – in Zurich, Lugano and Geneva. In order to simplify its bookkeeping, it would like each subsidiary to receive the relevant premium invoice for the vehicles it uses. In line with the company's wishes, Generali offers the possibility of having several premium payers. The subsidiaries receive the outstanding premium invoice and a definitive statement in line with the status of the motor fleet.
Summary of the details
What benefits does motor fleet insurance offer?
We've got you covered:
If you have full or partial accidental damage cover, we work together with a glass breakage specialist when your vehicle requires vehicle window repairs or replacement.
Our network of quality car workshops means we can offer an all-round service in the event of bodywork damage. Both of these benefits are, of course, available to you free of charge.
You can also choose from the following cover options: Damage to personal and company effects, cross liability, transport of hazardous goods, waiver of the right of recourse in the event of gross negligence and replacement vehicle rental.
The insurance covers drivers, vehicle holders and passengers.
The insurance contract takes effect on the date stated in the policy and is renewed each year automatically for the period of one year unless terminated by one of the parties at least three months prior to the expiry date.
All insurance products (third-party liability, accidental damage, passenger protection and fleet assistance) are valid in Switzerland, the Principality of Liechtenstein, all EU/EEA countries, Andorra and Croatia. If travelling to countries within Europe that are not members of the EU/EEA, you must request a green card from the company.
The premium is calculated based on the scope of cover selected and depends on multiple criteria, such as:
- Number of vehicles
- Claims ratio
- The company's (policyholder's) activities