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Fleet insurance. Protection for your company vehicles.

Did you bump another car when parking a company car? Did the windscreen glass of your van break? Or was something left behind when you were out with a truck? With Helvetia's fleet insurance, your company vehicles are ideally covered in all cases.

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All vehicles insured in a single contract

Automatic contract amendment for new registrations

Modular and therefore customizable to your individual needs

Fast, simple claims processing

No premium increase in the event of a claim

New supplementary insurance Extended Coverage

Here’s how to insure your company fleet

Fleet insurance is suitable for companies that own five or more vehicles. In addition to compulsory liability insurance you can protect your vehicle fleet with full comprehensive or partial comprehensive cover and add a range of optional supplementary insurance components. Accident insurance also provides ideal protection for you and your employees. All vehicles are insured in the same contract. When a new vehicle is added or one is decommissioned, the contract is automatically adapted, saving you time so you can concentrate on your core business.

Third-party liability – minimum cover required by law

Provides you with financial cover for any damage you or your employees cause with a company car and protects you against unjustified compensation claims.

Partial casco – for environmental damage and theft

Cover for damage to your vehicle caused neither by you nor by other drivers.

Helvetia pays in the event of:

Damage caused by storm, hail, high water, landslide, avalanche, snow pressure and falling rocks
Snow falling from roofs and branches falling under the weight of snow
Glass breakage of windscreen, side, rear or roof windows
Malicious damage such as breaking off wing mirrors or slashing tyres.

Theft
Fire and consequential losses resulting from fire-fighting operations
Accidents involving wild animals
Damage caused by martens

Comprehensive insurance – extensive cover for carefree driving

Also covers you for damage you cause to your car yourself.

Helvetia pays:

For all benefits available with partial casco insurance
For damage you cause to your car yourself – e.g. in the event of a rear-end collision or scraping a post
In the event of a total loss: the current value or the current value supplement if taken out
For the cost of repairs in the event of partial damage

For recovery, transport and towing costs
For the recovery of a stolen vehicle if found within 30 days following a claim
Storage costs and parking charges

Accident insurance – protection for you and passengers

Covers bodily injury suffered by the driver and passengers in the event of an accident.

Helvetia covers:

Treatment costs
The cost of a hospital stay
Daily sickness allowance and hospital benefits
A pension in the event of disability
The agreed sum in the event of death

Treatment costs for injured dogs or cats in the vehicle
Damage to medical aids such as spectacles or prostheses
Expenses for aids such as prostheses, spectacles or hearing aids required as a result of the accident
Rescue and recovery costs

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Increase your cover to give you the extra protection you need.

Extended Coverage

We will cover the costs for the first claim in the first year after the cover lapses owing to the vehicle's age.

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Cross-Liability

If two vehicles from your fleet are involved in an accident we will cover the costs. Convoy trips are also insured.

Damage to a parked vehicle

If your parked motorcycle is damaged by unknown persons, we won’t leave you in the lurch.

Glas Plus

Adds cover for breakage of all components made of glass or glass substitutes, such as headlights, rear-view mirrors and light bulbs.

Personal effects

Protects your personal effects if they are damaged or stolen.

Protective motorcycle clothing

Protects helmets, leathers and coveralls, boots and gloves against theft and damage. Your passenger’s clothing is also insured.

Professional equipment carried in a vehicle

Protects items you need in your job that you carry with you in the vehicle. For example, if your laptop is damaged in an accident.

Earthquake

If your vehicle fleet is damaged in an earthquake or volcanic eruption, you are covered.

Current value supplement

In the event of a total loss, you will receive the replacement value up to the fourth year of operation and thereafter at least 20% more than the actual current value of your vehicle.

Assistance

Vehicle breakdown? We will provide breakdown assistance, a towing service and organize a replacement vehicle. The service applies to vehicles under 3.5 t in Europe and over 3.5 t in Switzerland.

Tyre damage

With this add-on, we cover the cost of damage to tyres caused by nails, kerbs, sharp objects or vandalism/malicious damage.

Legal protection

In partnership with Coop Legal Protection we assist you in the event of legal disputes that arise in connection with your vehicle.

Waiver of right of recourse in cases of gross negligence

Helvetia will not claim any money back if you cause an accident through gross negligence, for example while distracted by your mobile phone.

No small print: When does fleet insurance pay up and when does it not?

Your fleet insurance will pay if ...

... you collide with the car in front of you, damaging the other vehicle. (liability)

… your car suffers hail damage during a storm. (partial casco)

... your vehicle is stolen. (partial casco)

… you accidentally scrape against a wall or post. (comprehensive insurance)

... you have a breakdown. (Assistance)

… you are injured in an accident. (accident)

… you are involved in criminal proceedings. (Legal protection)

… a key person is unable to work because he or she is involved in an accident. (Services)

… you fail to stop at a stop sign. (Waiver of right of recourse in cases of gross negligence)

Your fleet insurance will not pay if ...

… you deliberately damage your vehicle.

... you cause damage while participating in races, rallies or similar competitive events.

… you cause damage while driving without a driver’s licence or while driving an unregistered car.

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Our services

You can enjoy even better protection with our optional services, tailored to your needs.

Premium waiver

If a key person at your company is unable to work, you no longer have to pay insurance premiums, but do continue to enjoy full insurance cover.

STI update guarantee

With the update guarantee you ensure that your contract is always up-to-date. In the event of a claim you thus take advantage of future benefit extensions.

Online & in your area. Arrange an appointment now.

Whether by telephone, at your home or in our agency – arrange your consultation now, quickly and easily. We look forward to hearing from you.

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Your questions. Our answers.

Which vehicles can be insured?

Passenger cars
Motorcycles
Delivery vans
Trucks
Trailers

Agricultural vehicles
Motorized work vehicles
Passenger transport vehicles
Caravans

What do I need to do if there are changes to my vehicle fleet?

If a new vehicle is added to your fleet, you must register it with the vehicle licensing office. To do this, you need a certificate of insurance showing that you have liability insurance. You do not need to send additional information to Helvetia. Your new vehicle will automatically be added to the contract and is also insured as of the time it is registered.

The same applies to a decommissioning. In this case too you do not need to send us separate information. Your contract will be updated automatically.

This saves you administrative time and your insurance contract is always up-to-date.

Where exactly can I request a breakdown service?

Does damage need to be repaired in a garage specified by Helvetia?

Where exactly does the insurance apply?

How is the premium invoice paid?

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