The short answer
We propose an annual review, with an additional review when significant changes occur: vehicles, use, drivers and claims history. This frequency is a monitoring approach, not a legal obligation. Check cover and excesses in the applicable policies.
The vehicles
- Does the list in the contract match the vehicles in use?
- Are the requirements of leasing agreements being met?
- Do cover and excesses remain appropriate to each vehicle's value and use?
Vehicle use and drivers
- Who drives which vehicles, and for what business purposes?
- Is any private use permitted and declared?
- Does the policy cover travel abroad?
- Does transporting goods or tools require separate cover?
Claims history
Claims history helps prepare the discussion and identify prevention priorities. Classify events by situation — manoeuvring, parking, collision — then identify practical actions, without assuming how each insurer assesses the case.
Preventing distraction on business journeys
The Swiss Council for Accident Prevention (BFU) recommends setting the route before departure and not handling a phone while driving. Translate these principles into instructions for business journeys: organise calls and messages before setting off, and stop somewhere safe when action is necessary.
Decisions and follow-up
The proposed annual review serves to align policies with the fleet as it actually operates. It does not replace notifications required during the year. Record changes, preventive measures, the people responsible and the insurer's responses.