Property and assets
Vehicles and fleets
From a few vehicles to a whole fleet: covers, drivers and claims follow-up.
The essentials
Vehicles are often at the heart of the business: deliveries, call-outs, business travel. Their insurance combines compulsory liability cover with optional covers.
Beyond the contract, fleet management — who drives what, for what purpose — directly influences the claims history and the conditions.
The situations concerned
- A growing number of vehicles.
- Leased vehicles or vehicles used privately by employees.
- Frequent claims that weigh on premiums.
- A mix of cars, vans and machinery.
How we support you
- An inventory of the fleet and how it is actually used.
- Choosing covers by vehicle category.
- Analysing the claims history and possible prevention measures.
- Following changes and claims.
Before deciding
Points to examine
- 01Fully comprehensive or partial cover depending on value and financing.
- 02Authorised drivers and private use.
- 03Goods carried.
- 04Claims statistics and their effect on renewal.
How it works
How we move forward together
- Step 1
Take stock
What you own, rent, transport or operate: we map the exposed assets and activities.
- Step 2
Analyse
Sums insured, deductibles, exclusions and conditions of cover are compared with your reality.
- Step 3
Recommend
You receive a reasoned recommendation: what is covered, what is not, and why.
- Step 4
Negotiate and place
We consult the market where relevant and check the documents issued.
- Step 5
Review
Acquisitions, relocation, a new activity: the programme is reviewed as you take your decisions.
Frequently asked questions
Your questions
Do we need a fleet contract?
Beyond a certain number of vehicles, a fleet contract simplifies administration. The relevant threshold depends on the insurers and your organisation.
Do leased vehicles have to be fully comprehensively insured?
Leasing contracts often require it. Check your leasing contract; we adapt the cover accordingly.
Does private use change anything?
Yes, it must be declared and taken into account. It also has tax and HR implications that go beyond insurance.
How can the fleet's claims be reduced?
By analysing what kind they are: manoeuvring, parking, journeys. Simple prevention and awareness measures often have more effect than changing insurer.
Related services
Useful resources
Depending on your sector
Let’s talk about your business.
A first conversation to understand your situation, with no obligation. Call us or write to us.