Mini Fleet Insurance

Our Digital Fleet product has been specifically designed for companies with between 2 and 25 vehicles. Our covers include everything you would expect from a Defaqto 5 star rated policy, with our comprehensive options providing everything from personal accident and courtesy vehicles to medical expenses and emergency accommodation in the event of an accident.

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You can benefit from

Ability to quote on over 2000 trades
Incorrect fuelling cover
30 minute new business referral Service level Agreement
Personal Accident cover up to £10,000 to the driver
Drivers over 19 subject to certain vehicle groups /value restrictions
£20,000,000 third party property damage as standard for private cars and £5,000,000 for other vehicle types
Accept part NCD and CCE
NCD converted to CCE at renewal

Risk examples within appetite

Private Cars
Commercial Vehicles up to 7.5 tonnes
Agriculture vehicles, trailers and special types
Fleet conversion considered for NCD rated vehicles with at least three years confirmed claims experience*
Business trading for a minimum 3 years
Drivers with driving convictions - 3 points or less is treated as a normal driver and does not have to be disclosed on the risk
All Electric vechicles including Tesla

* 50% of vehicles on the fleet can have less than 3 years NCD

Standard cover

Third Party

Death or bodily injury (unlimited cover)
Property damage for cars up to £20,000,000 limit
Property damage for all other vehicles up to
£5,000,000 limit

Prosecution and defence

Costs up to a limit of £2,000,000
Cover for unauthorised movement of third party vehicles
Cover for unlicensed drivers where a license is not required by law
Indemnity to principals

Personal Accident

Benefits cover to the driver up to a limit of £10,000
New vehicle replacement for private cars or commercial vehicles less than 7.5 tonnes in first year of registration
Courtesy vehicles where available when using an approved repairer
Child seat insurance up to £500
Incorrect fuelling cover
Replacement keys and locks up to £1,250 per vehicle
Personal effects cover up to a limit of £500 for any one event
Medical expenses cover up to £500 per person
Permanently fitted audio equipment covered up to market value of the vehicle
Emergency accommodation up to £100 per person or £400 per incident