The 3 advantages of truck fleet insurance
Companies wishing to insure their vehicle fleet (generally more than 5 vehicles) can cover each heavy vehicle individually (i.e. one contract per truck, taken out with one or more insurers), or choose to contract a specific formula. : heavy vehicle fleet insurance. In this case, all of the company's vehicles will be grouped under one and the same policy:
Advantage 1 - You benefit from a single contract for your entire company truck fleet. In other words, the management is facilitated because you only have to deal with a company and an individual interlocutor.
Advantage 2 - Your policy adapts to the specifics of your fleet. Whether they are vehicles with ancillary structures such as trailers, for example, commercial vehicles or heavy passenger vehicles, the guarantees are tailored to your activity and the policy mentions the specifics of your vehicles.
Advantage 3 - Financial advantages, depending on the size and characteristics of your fleet, may be granted to you: reductions according to the number of heavy goods vehicles insured, no bonus-malus, calculation of contributions based on an annual report, etc.
What risks are covered by truck insurance?
The first thing to know is that to be effective and therefore useful in the event of a claim, your truck cover must absolutely be adapted to your activity.
If you approach insurance companies by your own means (whether online, by phone or via branch appointments), be aware that your advisor offers you guarantees that correspond to the risks associated with exercising your job and for the use of your trucks.
If you are looking for your insurance through our online comparator, don't worry! You can select in our tool your business, your budget and the desired level of coverage to receive only quotes adapted to your request.
Next, be aware that most insurance companies offer several types of insurance. This range will include at least the RC Automobile, which is compulsory. It is necessary for the compensation of damage to third party victims in the event of a claim. However, it does not cover the vehicle or the driver.
The different insurance formulas are then declined by including several guarantees, up to full coverage, called all risks. From our point of view, the right cover is “all risks” because it will contain a driver's bodily cover and a transported goods cover in the event of theft or destruction of your property.
In addition, a range of options are generally available to complete or expand your coverage, so that it is as personalized as possible. Against a slightly higher insurance premium, you can take out additional guarantees such as:
financial loss guarantee: in the event that it is impossible to work,
the private or professional content guarantee in the event of theft of a truck,
machine breakage guarantee for additional equipment (crane for example),
the legal protection guarantee (in the event of a dispute) ...
Finally, insurance organizations often include assistance guarantees in their formulas, which will be very useful for having assistance in the event of a heavy vehicle claim 24/7. For example, we can mention the breakdown of your truck, the loan of a replacement vehicle in the event of an accident, assistance to people or to the vehicle in the event of a breakdown ...
To be covered in the event of a claim, the legal safety standards as well as the instructions mentioned in the insurance contract must be respected (hours of rest performed, journeys and driver declared ...). Any non-compliance may result in forfeiture of guarantees.
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