Commercial vehicle or fleet insurance is designed to cover the driving of you and your employees in your company vehicles.
Driving is a dangerous workplace activity and motor fleet insurance will offer peace of mind that you and your employees’ driving is covered.
Fleet insurance may be offered as part of a wider business insurance package tailored to suit the needs of your business.
Motor fleet insurance offers flexibility and savings for your business with motor fleet policies for multiple vehicles usually being cheaper than individual policies.
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What is motor fleet insurance cover?
Motor fleet insurance is designed for commercial vehicles of businesses with more than two vehicles ie. cars, vans, jeeps, HGVs, trucks, buses, and coaches for all classes of use, depending on your motor fleet insurance cover.
Types of Motor Fleet Insurance
There are 3 types of motor insurance that should be considered when choosing your motor fleet insurance.
Fleet insurance polices may offer:
Third Party Commercial Auto Insurance
This is the legal minimum level of cover to drive in Ireland. It will compensate the other driver in the event of an accident, but will not cover you or your vehicle.
Third Party, Fire, and Theft Commercial Auto Insurance
This covers the other driver for injury, loss or damage , as well as your vehicle in the event of fire or theft of your vehicle.
Comprehensive Commercial Auto Insurance
Or fully comprehensive policies will offer protection to the other vehicle and driver as well as for your vehicle, in the event that you are at fault in an accident, also covering fire or theft of your vehicle.
Who offers fleet insurance policies in Ireland?
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What is covered by fleet insurance?
Not all fleet insurance policies are the same. Make sure you are choosing a policies that is best suited to your needs. Consider which of the following is most important to the cover you need.
Third Party Cover
Motor fleet insurance covers third party vehicles, should you be found responsible in the event of an accident, as well as offering cover for:
Motor fleet insurance will protect your business from third party claims in the event of one of your vehicles being involved in an accident. It may also offer protection from third party property claims eg. hitting a wall while driving.
Roadside Breakdown Assistance
Some fleet insurance policies offer roadside breakdown assistance or breakdown cover in the event of a mechanical or electrical fault, towing of your vehicle may also be covered.
Windscreen Cover
Windscreen cover, sometimes without affecting your no claims discount, is available depending on your policy.
Courtesy Vehicle
Your motor fleet insurance may provide a courtesy vehicle, should your vehicle be off the road due to an accident.
Content Insurance
Your personal effects in the vehicle may be covered on your motor fleet insurance cover, up to the limit specified in the policy. Some commercial motor insurance policies offer cover for tools left in your vehicle.
Open Driver Insurance
Motor fleet policies also offer full open drive or restricted open drive. An open drive policy means that any driver with the appropriate , full, clean licence may drive any vehicle with your permission.
You may need to keep details of drivers who have used your motor fleet and make an annual declaration to your insurer. This saves the hassle of adding drivers regularly.
Medical Cover
Some motor fleet insurance offers financial protection for medical expenses in the event of an accident.
Fleet Insurance Add-ons
You will get more optional add-ons as standard with comprehensive policies.
Some common fleet insurance add-ons include:
Legal Expenses Cover
Cover for legal expenses arising from a claim may be offered with commercial fleet insurance. Some insurers offer legal services and advice in the event of an accident.
Accident Damage Cover
Accidental damage to your vehicle is often an additional option.
No Claims Discount Protection
Step back and full no claims discount protection offer additional cover for the no claims discount on your motor fleet insurance. Both mean that you can make a limited number of claims and keep part of or all of your no claims discount, depending on the details of your policy.
How much is fleet insurance?
What affects the price of a fleet insurance policy?
Who needs fleet insurance?
All businesses who have more than two commercial vehicles or commercial fleets, especially if they are driven by multiple employees, would be advised to consider a fleet insurance policy.
Fleet Insurance FAQs
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