Fleet insurance
All company vehicles in one policy, with a single statement.
Why this matters
If you have five vans insured with three companies and five different expiry dates, at some point you lose track: a vehicle change is reported too late, a policy keeps running for a car sold long ago, and when a claim comes it is unclear which contract even applies. This paper chaos costs not just nerves but hard cash – individual premiums are almost always more expensive than a bundled solution, and unnoticed double or missing insurance is not uncommon. In the worst case, a new vehicle spends a few days on the road without casco cover, and nobody notices.
A fleet solution typically pays off from around five vehicles and is therefore interesting for craft businesses, delivery services, care services and field teams. Legally, the same applies in Switzerland as for any motor vehicle: third-party liability insurance is compulsory, and without it there is no registration – partial and fully comprehensive cover are voluntary and a question of vehicle value. The business pays the premium; for fleets it depends substantially on your own claims record, so good drivers pay off directly.
What you get out of it
All vehicles in one policy — one invoice, one renewal date.
Changes (purchase, sale, replacement) are dealt with in a single notification.
Fleet discounts instead of individual premiums.
What we take care of for you
- Bundling your company vehicles into one fleet solution
- Comparison by premium, excess and claims service
- Ongoing management of changes
- Claims management with statistics per vehicle
The advice is free for you — we are remunerated by the insurance companies through brokerage commissions and will disclose these on request.
Tips from our consultations
What we tell our clients time and again – free of charge, even before the first meeting.
Not every vehicle needs fully comprehensive cover: for the eight-year-old van, partial casco or liability only is often enough, while the new company car should be fully covered. A good fleet policy allows this grading per vehicle – blanket one-size-fits-all cover wastes premium.
With fleets, your own claims record determines the premium more than any tariff. Request the statistics every year, discuss striking clusters with the team and use good years for negotiations. If you know your figures, you negotiate on equal terms.
Purchase, sale, replacement vehicle: every change belongs in the policy immediately, otherwise gaps appear or you keep paying for vehicles that are long gone. Designate someone internally to report changes – or simply let us handle it.
If many changing or young employees drive, minor damage is inevitable – then a lower retention can make sense. With a small, experienced circle of drivers, the opposite applies: higher retention, lower premium. Calculate both variants over several years.