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Advantages of Motor Fleet Insurance

Easy to Manage

Motor fleet insurance is an umbrella policy which covers all your vehicles with a single policy. It saves the effort of managing multiple policies for different vehicles, thus improving ease of management.

Cover Employees

Commercial vehicle insurance offers coverage to your employees driving your vehicle for medical treatment of any injury in case of an accident. Coverage for employees' personal vehicles is also available.

Higher Limits

Motor fleet insurance provides high enough insurance limits to help cover items like punitive damages, attorney’s fees and medical expenses of injured, which otherwise could easily exceed the limits of a general personal auto insurance policy.

Legal Liability Cover

A commercial fleet policy covers the litigation costs you might face if your vehicle were to get involved in an accident causing third party bodily injury, or property damage. All court fees and settlement cost will be paid by the policy.

Benefits of Motor Fleet Insurance

Protection to Vehicle

  • Commercial car insurance covers your vehicles for damage due to accidents or loss caused by fire, theft and self-ignition. It also covers natural calamities like earthquake, floods, storm, landslide and rockslide.
  • Damage to the vehicle due to terrorist activity, riots or strike, or any other malicious act is covered.
  • The policy also covers loss to the vehicles whilst in transit by road, rail and waterways.

Third Party Liability Cover

  • Commercial fleet insurance covers legal liability arising from bodily injury to any person caused by your vehicle. The policy will indemnify all the legal costs if the victim files a legal case against your business.
  • The policy will also pay for the death of any person due to an accident in which your vehicle is involved.
  • Damage to property owned by a third party, caused by an accident due to your vehicle, is also covered by this insurance.

Additional Benefits

  • Commercial motor insurance offers various add-on benefits such as personal accident protection to owner-driver, paid drivers, and passengers. You can also introduce coverage for towing disabled vehicles.
  • Legal liability for the paid driver in connection with the operation of the commercial vehicle can also be included in a policy.
  • Damage to vehicle accessories, bonnet and bumpers, tyres and tubes can also be covered.

Frequently Asked Questions

Commercial vehicle insurance covers loss or damage to a commercial vehicle in case of an accident, or due to specific perils like fire, explosion, lightning and natural calamities. Third party legal liability arising from bodily injury and property damage is also covered by the policy. Medical expenses of an employee meeting with an accident is also covered.
Yes, you can cover personal use of a company-owned vehicle, provided the company has commercial fleet insurance. If you are using your own vehicle to travel without using it for commercial purposes, then it would be covered under personal motor insurance. If your vehicle is insured under commercial car insurance and your family members are using it, then you must get non-owned vehicle coverage.
Yes, damage or breakage of windshield glass can be covered under commercial motor-vehicle insurance. This cover is available as an extension which can be included by paying a marginally extra premium. This coverage will pay for the replacement or repair of the windshield and can be availed only once during policy tenure.
Commercial vehicle insurance usually excludes accidental damage while driving under the influence of liquor or drugs. Wilful negligence is also excluded from the policy. Other common exclusions of this policy are consequential losses, wear and tear, depreciation, mechanical & electrical breakdown and failure of brakes.


What is a sunset clause in a motor fleet insurance policy?

A business owner may have a fleet of cars, lorries, vans which are used on a daily basis for his business-related activities. Managing all these vehicles can be expensive and hence it is vital to insure all the vehicles for proper business continuity. A motor fleet insurance policy is designed to provide coverage to all the vehicles...
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What is not included in your Motor Fleet Insurance Policy?

There are many limitations to your standard motor fleet insurance policy. You should not think that a motor fleet insurance policy means zero-expenditure. Even a comprehensive insurance policy does not mean zero out-of-pocket expenditure.Certain conditions when your motor fleet insurance papers will not help you...
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How can you minimize Motor Fleet Insurance Premium?

Fleet operating cost can be huge expense for any organisation. Adding insurance cover may help reduce the maintenance and accidental wear and tear cost of the fleet. Here are some methods which can reduce the premium you will have to pay for such insurance:

Claims Records: Know your claims history clearly. Ask your insurer...

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