Vehicle fleet insurance prevention Vehicle fleet insurance contracts often offer preventive measures such as a diagnosis of the risk of damage to your vehicle fleet and the implementation of preventive actions. Sometimes, the insurer offers you these actions if he notices a large number of claims in your fleet.
Vehicle fleet insurance: civil liability
Civil liability is covered by car fleet insurance for all vehicles covered by the contract, for material damage or bodily injury suffered by third parties. This is the only insurance that is compulsory but other guarantees are recommended.
insurance against theft and against attempted theft (because an attempted theft can cause damage to the vehicle),
the all-accident damage guarantee in order to be compensated in the event of damage regardless of the responsibility of the driver of the vehicle,
the insurance of the interior equipment of the vehicle,
breakage of glass, optics and headlights: beware, this guarantee increases the amount of your car fleet insurance premium. Check that it is interesting, taking into account the prices charged by repairers,
a guarantee that covers your advertising paintings if they are scratched or damaged!
Your insurer must specify in the contract how you will be compensated if you have to replace your vehicle following a theft, fire or accident. Similarly, the contract specifies the amounts of the deductibles.
Vehicle fleet insurance: service guarantees
These guarantees are optional. In the event of an accident or vehicle breakdown, your insurer can offer you various services:
defense-recourse guarantee or legal protection: in the event of an accident, you may have to defend yourself in court. This guarantee allows you to benefit from the advice of a lawyer in the event of a trial; payment of his fees is also possible,
assistance to people and vehicles in the event of theft, accident or breakdown. This is technical and medical assistance which can lead to various services: breakdown assistance, vehicle towing, payment for transport and accommodation while waiting for repairs, repatriation of injured and their families, covering medical expenses, etc.
the provision of a replacement vehicle to limit the economic impact of the immobilization of a vehicle in your fleet,
Car fleet insurance contracts often offer preventive measures such as a diagnosis of the risk of loss of your car fleet and the implementation of preventive actions. Sometimes, the insurer offers you these actions if he notices a large number of claims in your fleet.
Tracking your car fleet insurance contract
Many insurers offer remote services for managing your car fleet insurance. You can thus enter or leave a vehicle in your contract at any time. Regular statements can also be provided to you with a summary of the interventions carried out.
