Fleet

Typical Exclusions:

• Motor – claims for liability that you have assumed in contract, unless you would have incurred the same liability without entering into the contract
• Motor – theft if keys left in or on the vehicle
• Goods in transit – theft of property from unattended vehicles, unless the vehicle is in a locked building or compound controlled by security personnel
• Income protection – cover is subject to a declaration of health, and may be offered excluding any illness or injury that existed on the date of entry into the scheme or at each renewal
• Income protection – loss of licence must occur within two years of sickness or injury for the benefit to become payable

These are some of the key exclusions/limitations, full details will be found in policy wordings.

What is a fleet insurance policy?

A fleet insurance policy is often made up of various sections of cover, specifically designed for the needs of a business which uses a number of trucks, vans and cars. Fleet insurance policies are generally categorised depending on the amount of trucks or HGVs that need to be added to the motor section of the policy.

What is included?

The fleet insurance policies available are multi-section, enabling the customer to choose which sections they require. A wide selection of insurance covers are available, all designed to meet the needs of a commercial fleet operator. These include:

• Motor fleet insurance
• Commercial motor
• Goods in transit
• Employer and public liability insurance
• Engineering insurance
• Legal expenses
• Business interruption
• Directors and officers insurance

How do I purchase a fleet insurance policy?

If you request a quotation from us for your fleet of commercial vehicles, we will arrange for one of our account executives to visit your premises to collect the details necessary for us to deliver a quotation. All our account executives are highly qualified in commercial insurance and have many years’ experience in the fleet insurance market.

How do you do it?

The calculation that sits behind a commercial motor fleet insurance premium is based almost entirely on the claims history of the fleet. The average cost of historic claims per vehicle is calculated and then used to predict the insurer’s outlay in the coming policy year. The cost of claims is therefore the most significant factor in calculating your new premium.

We use proven risk management techniques to reduce the cost of your claims and therefore stabilise or reduce your insurance premiums. These risk management programmes range from driver training or profiling to health and safety consultancy or forward facing accident cameras and on board telematics systems.

With Adler Insurance, you can be confident that, in the event of the worst happening, your claim will be handled by our vehicle claims team offering a fast and efficient service.

Simply contact the claims team using the details within your policy documents, or call us on 0844 248 9341 to speak directly to a claims handler. They will talk things through with you, guiding you through your next steps and the whole process.

It is important to report all incidents to your insurers, including cases where there is little or no damage to your vehicle. This will help your insurance company to defend you against claims made by a third party.

To report an incident at any time, day or night, please call our claims line using the telephone number shown on your claims card. Your claims card should be kept in your vehicle at all times so you are able to report incidents as quickly as possible.