Fleet insurance is an essential tool for companies managing multiple vehicles. It allows you to group different types of vehicles under the same contract, thus offering simplified management and significant savings. Here is a complete overview of the vehicles that can be covered by this insurance.
1. Company cars
Company cars or service cars are commonly used in companies. They are mainly used for business trips, but can also be used for private purposes depending on the employee's contract.
Examples of vehicles affected:
- Company vehicles : Used by managers and employees as part of their professional activities.
- Service vehicles : Used specifically for company missions, such as customer visits, on-site inspections, etc.
Why include these vehicles in fleet insurance?
- Simplifies insurance management for each vehicle.
- Allows you to benefit from decreasing rates depending on the number of cars.
2. Utility Vehicles
Utility vehicles are essential for craft or delivery businesses. They are often used to transport goods or equipment necessary for the activity.
Examples of covered commercial vehicles:
- Vans : Used for transporting goods.
- Vans : Used by craftsmen, technicians or delivery companies.
Benefits for commercial vehicles:
- Coverage of risks related to the transport of equipment or goods.
- Flexibility to add or remove vehicles based on seasonal needs.
3. Heavy Goods Vehicles and Trucks
Heavy goods vehicles and trucks are generally used by transport or logistics companies for moving goods over long distances. These vehicles require specific coverage due to their size and use.
Why is proper coverage important?
- Heavy goods vehicles are more prone to specific risks, such as accidents or material damage.
- Coverage may include liability for the transport of goods and road risks.
Examples of vehicles affected:
- Delivery trucks : Used to transport products over long distances.
- Semi-trailers : Vehicles used in logistics for heavy loads.
4. Passenger Transport Vehicles
Passenger transport vehicles , such as taxis , VTCs , and minibuses, are included in fleet insurance for companies operating in the passenger transport sector.
Why include these vehicles in fleet insurance?
- Passenger transport vehicles are subject to specific regulations and require enhanced guarantees.
- The coverage protects against passenger claims for bodily injury or property damage.
Examples of vehicles covered:
- Taxis and VTCs : Used by independent drivers or transport companies.
- Minibus : Used for shuttle or collective transport services.
5. Specialized Machinery and Construction Equipment
Construction companies or those operating in sectors requiring specific machinery can also insure these vehicles as part of their fleet.
What types of equipment are covered?
- Construction machinery : Excavators, cranes, and other heavy machinery.
- Specialized transportation equipment : Used for specific missions, such as transporting heavy loads or construction.
Why is this coverage crucial?
- Specialized equipment is expensive and repairing it can represent a significant burden for the company in the event of an accident or breakdown.
- Fleet insurance helps protect these vehicles while offering solutions tailored to the specific risks of each vehicle.
6. Short Term Rental Vehicles
For companies that rent vehicles on a short-term basis for seasonal or one-off needs, it is possible to include these vehicles temporarily in the fleet insurance. This allows for continuous coverage without having to take out separate contracts.
Why include rental vehicles?
- Flexibility to add or remove vehicles as needed.
- Ideal for companies using vehicle rental for temporary or seasonal missions.
Examples of situations covered:
- Replacement vehicles : Used in the event of a vehicle breakdown or immobilization.
- Vehicles rented for specific missions : Transport of goods or people for a limited period.
Conclusion
Fleet insurance offers comprehensive and tailored coverage for a wide variety of vehicles, from company cars to specialist machinery. By grouping all vehicles under one contract, it not only simplifies management, but also saves money.
Contact KT Assur&Bank today for a personalized quote and discover how to optimize the management of your vehicle fleet with coverage adapted to your needs.