Fleet and commercial vehicle insurance: frequently asked questions - - Crefin & Partners

What are the benefits of fleet and company car insurance?

One policy for the entire fleet → clear and efficient
Often significantly lower premiums than separate car insurance policies
Flexible coverage per vehicle or per type
Easy management during fleet growth, replacement, or expansion

Our insurance advisor ensures a policy that is realistic and suitable for your company.

What are the key considerations for fleet and company car insurance?

Premium depends on the number of vehicles, type, usage, claim-free years, and postal code
Pay attention to the correct usage description (purely business, mixed, or private)
Deductible may vary per vehicle or per claim
Always report new or deregistered cars to the insurer in a timely manner

Is a fleet policy more cost-effective than separate policies?

Yes, usually from 3 to 4 vehicles.

Can I choose different coverage per car?

Yes, with most fleet policies, that is possible.

Is private use of the cars covered by the insurance?

Often yes, but it must be clearly stated.

Does the no-claim discount also apply to the vehicle fleet?

Yes, often by vehicle or collectively.

Are leased cars automatically covered by the insurance?

Yes, with special lease terms.

Can I easily adjust the policy if the fleet grows?

Yes, that is precisely one of the major advantages of a fleet policy.