Fleet insurance: insure your fleet directly!
Request a quote for your fleet insurance now!
Insure your fleet insurance ? A business fleet full of cars, vans or trucks is obviously very expensive. Therefore, it is of great value to insure your fleet. This way, you have all your business vehicles insured at once. Alpina helps you compare between insurance companies and helps you choose. This way you will immediately get a good overview of which fleet insurance suits you best. By comparing insurances, you can save up to hundreds of euros.
Can I insure my fleet of vehicles?
Closing your fleet and commercial vehicles in one go sounds very good, of course. Especially if you can do it online. Each fleet insurance policy requires a minimum amount of company vehicles. If you have less than the required number of vehicles, you can still find the cheapest options by comparing commercial vehicle insurance, commercial car insurance, van insurance and truck insurance. By using our handy online comparison tool, you can determine your requirements and get an overview of what it will cost per insurer. The basic insurance is the normal third-party insurance with minimum coverage that is compulsory for everyone. You can expand your normal third-party insurance for your fleet with hull or additional insurance. Not sure which cover to choose for your fleet? Simply chat, call or email one of our insurance advisers. They will be happy to help you!
What is fleet insurance?
Fleet insurance is insurance for your business vehicle fleet. Fleet insurance includes the minimum mandatory Third Party Liability cover, but you can extend it to suit your needs and usage pattern.
How can I compare my fleet insurance?
Because taking out third-party insurance for your motor vehicles is mandatory, you may see it as a big expense if you own many commercial vehicles. Therefore, fleet insurance is perfect for those businesses in logistics, as well as businesses where you have many vehicles and want to keep less administration for your commercial vehicles. Because every fleet of vehicles is different, you want insurance that fits your business perfectly. Therefore, on Alpina we offer the possibility to compare multiple insurers. This way you will always find the right and cheapest insurance that best suits your fleet and commercial vehicles.
Even if you already have business vehicles with individual insurances, it can be interesting to compare. You often receive a discount on taking out fleet insurance because you insure all your company vehicles at once with one party. So you may pay more premiums for individual insurances together. We are happy to help you with your fleet insurance.
Frequently asked questions about fleet insurance
Fleet insurance is for every company with several company cars. This is also called a fleet. The fleet of a moving company is different from that of a taxi company. Also, one fleet runs a higher risk of damage than another, so fleet insurance is tailor-made.
Taking out third-party insurance for your commercial vehicles is, of course, compulsory. Therefore, it is of great value to insure your fleet. With a fleet insurance, you have all your company cars insured at once. You also have less administration, because all your company cars are on one policy.
You can take out fleet insurance for passenger cars, delivery vans and trucks, but also motor homes, old-timers and motorbikes. It does not matter whether they are wedding cars, rubbish trucks, trailers or ambulances.
What does fleet insurance cost?
Fleets are all different, so fleet insurance should always be tailored to your situation. The cost of fleet insurance depends on the following factors, among others:
- The size of your fleet
- The types of cars in your fleet
- The claims history of recent years
- The use of the cars
- Any supplementary insurances
- Preventive measures for damage and theft
What does fleet insurance cover?
Fleet insurance always includes standard third-party motor liability (WAM) insurance for all your commercial vehicles. If you find this insufficient, you can expand your insurance with limited hull or full hull coverage. The types of coverage are
- Motorbike WA insurance is the least comprehensive insurance. Only the damage that you cause to other vehicles and/or persons with your car will be reimbursed. The damage to your own car is not covered under this insurance.
- Motor vehicle WA insurance + limited hull (WA plus) covers fire, hail, storm, theft and windscreen damage in addition to the regular WA insurance. The damage to your car that you have caused will not be reimbursed.
- Motor vehicle WA insurance + full casco (all-risk) covers everything that falls under WA insurance with limited casco plus the damage to your own car (even if the damage is caused by you).
- Motor WA insurance + casco stop-loss compensates damage from a damage deposit into which you have paid an amount. This is only interesting for large fleets. You can then take the higher damage burden for your own account and purchase this risk from an insurer.
Additional insurance with fleet insurance?
If you do not consider your third-party insurance sufficient, you can also choose additional insurances that suit your business. Additional insurances for fleet insurance may include the following:
- Legal expenses insurance. This insurance provides legal assistance in the event of a traffic conflict. It may happen that an accident has to appear in court if there is uncertainty about which party is at fault. This additional insurance is divided into legal aid for recovery and legal aid for traffic.
- Damage/carry-over insurance. If there is physical and/or material damage after an accident, the damage is covered. This is usually up to one million euros. The actual damage suffered is reimbursed.
- Accident insurance for passengers. If the driver or passengers are injured in an accident, medical expenses are reimbursed. A predetermined amount is paid out in the event of accidents resulting in disability and/or death.
- Instruments and equipment insurance. If you use expensive equipment or tools for your business and transport them in your company cars, you can also insure them against damage or theft.
- And many other possibilities to be additionally insured.
Fleet insurance rental
Are you in the car hire business? Then you must ensure that your cars are insured at least against third-party liability. This applies not only to the rental of normal passenger cars, but also to, for example, delivery vans, wedding cars, old-timers, campers and motorbikes. You can also take out fleet insurance for rental cars. With rental cars the risk of damage is greater, because the cars are always used by other people. Therefore the insurer always looks at the damage history of the past years. Based on this, and a number of other factors, the amount of the premium is determined. Some insurers do not offer coverage when the fleet is rented out. You can always find this in the policy conditions.
Calculate fleet insurance
At Alpina.nl, you can easily calculate your fleet insurance premium. The premium is calculated based on the following factors:
- The size of your fleet
- The types of cars in your fleet
- The claims history of recent years
- The use of the cars
- Any supplementary insurances
- Preventive measures for damage and theft
Corporate fleet insurance
If your company uses a fleet of vehicles, you obviously don't want to have to buy car insurance for each car separately. That's why the business fleet insurance exists. This allows you to insure all your company cars against damage in one go. There is a minimum number of cars, but this number varies between insurers. No fleet is the same, of course, which is why it's about customized insurance. Maybe you have 5 company cars, or maybe more than 100. It can be rental cars, but also ambulances or garbage trucks. At Alpina.nl you can insure any fleet of vehicles.
Fleet insurance rental
Are you in the car hire business? Then you must ensure that your cars are insured at least against third-party liability. This applies not only to the rental of normal passenger cars, but also to, for example, delivery vans, wedding cars, old-timers, campers and motorbikes. You can also take out fleet insurance for rental cars. With rental cars the risk of damage is greater, because the cars are always used by other people. Therefore the insurer always looks at the damage history of the past years. Based on this, and a number of other factors, the amount of the premium is determined. Some insurers do not offer coverage when the fleet is rented out. You can always find this in the policy conditions.
Calculate fleet insurance
At Alpina.nl, you can easily calculate your fleet insurance premium. The premium is calculated based on the following factors:
- The size of your fleet
- The types of cars in your fleet
- The claims history of recent years
- The use of the cars
- Any supplementary insurances
- Preventive measures for damage and theft
Corporate fleet insurance
If your company uses a fleet of vehicles, you obviously don't want to have to buy car insurance for each car separately. That's why the business fleet insurance exists. This allows you to insure all your company cars against damage in one go. There is a minimum number of cars, but this number varies between insurers. No fleet is the same, of course, which is why it's about customized insurance. Maybe you have 5 company cars, or maybe more than 100. It can be rental cars, but also ambulances or garbage trucks. At Alpina.nl you can insure any fleet of vehicles.
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