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Fleet Insurance

किसी भी मोटर गाड़ी का बीमा कराएं

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कोई भी मोटर गाड़ी - 2 पहिया से 18 पहियों तक - कोई भी

Insurance is need, not luxury. You need insurance...



If you have a FLEET of VEHICLES, we have an INSURANCE solution.

What is covered under Motor Fleet Insurance?

Fleet Insurance is designed for businesses with multiple vehicles, to have them all on one policy. Whether they're cars, vans, minibuses, trucks, taxis or HGVs, there are 3 levels of cover to choose from - Comprehensive, Third Party, Fire & Theft and Third Party Only. A fleet is composed of at least ten or more cars owned by the same person or company.

Fleet insurance will provide liability insurance coverage for all of your company's vehicles in one policy. Often, these policies provide provisions to allow employees of your company to drive any vehicle in your fleet and be covered if they cause an accident.

Motor Fleet Insurance Policy will cover the following:

  1.    Fleet insurance provides the benefit of covering all vehicles under one policy.
  2.   Loss or damage to vehicles by fire, accidents, burglary, natural calamities, and other unexpected causes
  3.    Third party injury or death & damage caused to property
  4.    Provides coverage for the insurer/driver: Multiple fleet insurance policies also cover injuries to the driver.
  5.    Overnight Vehicle Insurance: Many policy providers offer coverage for fleet overnight also. As some businesses, might need their vehicles to transport goods within one night.
  6.    Business obligations: It provide comprehensive coverage against legal obligations therefore, it reduces risks associated with maintaining the fleet.
  7.    Medical: Some schemes cover medical expenses incurred due to any mishap as well.

Who Can Buy Motor Fleet Insurance?

Any of the following can purchase motor fleet insurance policy in India:

• A transport organization; i.e. taxi services, commercial transporters, etc.

• An individual who owns more than ten cars

• Any other business or individuals owning more than ten vehicle for a single purpose.

 The SME needs to pay only a one time annual premium to cover all their vehicles.

What are the benefits of the scheme to the firm?

The first benefit of fleet insurance is that many different vehicles are covered under one policy. This eliminates much of the worry and stress of handling a different insurance policy for each different vehicle.

Second, when a claim is made in case of fleet insurance, the process is much smoother than any other type.

Third, Fleet insurances are much easier to budget for from an insurance perspective.

Finally, because vehicles are being insured in bulk the SME has much better negotiation ability. This leads to lower costs.

There are some basic factors that should be considered like

The number and type of vehicles to be insured,

The age of vehicles and the condition they are in greatly affect the price of the cover.

In order to calculate premium, various factors are considered such as type of Vehicle, value of vehicle, number of vehicle, type of cover requested, location and operating radius of the vehicles and claims history of the vehicles. Fewer the claims lower the premium.

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What Are the Benefits of Motor Fleet Insurance Policy in India?

Motor fleet insurance coverage in India certainly has a plethora of benefits to offer:

•Motor fleet insurance policies help business obligations by providing comprehensive coverage against legal obligations. Therefore, motor fleet insurance plans reduce the risks associated with maintaining the fleet.

•Third party injury or death and damage caused to the property are covered under motor fleet insurance online.

• These insurance policies provide medical coverage since there are some motor fleet insurance policy schemes that cover medical expenses incurred due to any mishap.

• Motor fleet insurance plans provide coverage for the insured driver. Multiple motor fleet insurance policies also cover injuries to the driver as well.

• The policy comes with overnight vehicle insurance option. Many motor fleet insurance providers offer coverage for fleet overnight also given that some businesses might require their vehicles to transport goods within one night.

•Motor fleet insurance plans provide the benefits of covering all vehicles under a single policy.

• Damage or loss to vehicles due to accidents, fire, burglary, natural calamities, and other unexpected causes etc comes under motor fleet insurance coverage in India.

• One other best benefits of motor fleet insurance policy in India is that if an insurer cannot become insured under an individual policy, they can have coverage provided to them using a motor fleet insurance policy.

• Another best benefit of motor fleet insurance plan is that when a claim is made, the process is very much smoother and more efficient than when handled through another type of motor insurance policies.

What Doesn’t Come Under Motor Fleet Insurance Coverage?

There are a few factors that the motor fleet insurance online doesn’t cover.

Find out the exclusions of motor fleet insurance policies below.

• Motor fleet insurance plans don’t cover wear and tear on your vehicles.

•Engine damage due to oil leakage is not covered under motor fleet insurance policies.

•The policy won’t cover any damage or loss to the vehicle if an organization operating multiple vehicles for internal operations

• If your vehicle is driven without a valid driving license.

•No claims will be paid under the motor fleet insurance online if your motor fleet insurance policy has expired or has not been renewed timely.

• If you are driving under influence of alcohol or drugs.

• Any other person driving the vehicle other than the person mentioned in the driver’s clause.

• Mechanical parts wastage or replacement cost like wipers, brakes, head lights, steering and tail lights etc.

• Electrical parts wastage like alternator, battery cables, sparking in ignition switch etc.

• Partial or full value of tires and tubes are reimbursed, in certain cases where the insured vehicle gets damaged.

• Any rejected claims which are not taken to the court within 12 months.

• If the commercial vehicle carrying any hazardous chemicals.

• Any damage to your vehicle which is outside the geographical area specified as per your insurance documents.

• If the commercial vehicle is being transported during air passage or sea voyage.

•Damage to vehicle under contractual liability of the owner. For instance, you have pledged your car against a loan or given it to third party on rent, are out of your motor fleet insurance policy coverage scope.

•Loss or damage due to natural calamities or war.

•If you violate your automobile manufacturer’s guidelines on use of vehicle.


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