Fleet insurance

Helvetia motor vehicle fleet insurance offers a variety of different basic cover levels. All of a company’s vehicles can be insured.

• Liability insurance: Motor vehicle liability insurance offers basic cover and at the same time is a mandatory requirement. It covers all property damage and personal injury caused to third parties by a company vehicle.
• Partially comprehensive insurance: It covers many types of loss or damage to the company’s own car, for example fire, natural hazards such as storm and hail, theft or glass breakage and vandalism. Helvetia also covers marten damage and damage resulting from accidents with animals.
• Collision insurance (fully comprehensive): This supplements partially comprehensive insurance, offering cover for damage to the policyholder’s own vehicle which is caused by the driver him/herself.
• Passenger accident insurance: This covers personal injury to persons who are in the vehicle. Helvetia covers treatment costs, as in the case of a private insurance policy. It also pays hospital benefits, lump-sum disability benefits and lump-sum death benefits.

The same applies in principle to fleet vehicles as to private cars. In the case of new vehicles Helvetia recommends fully comprehensive cover, comprising partially comprehensive cover and collision insurance. Partially comprehensive cover only can also be provided at the customer’s request. In the case of older vehicles, legal liability insurance is usually adequate as basic cover.

The basic levels of cover can be adapted to individual customer requirements by means of supplementary modules.

• Parking damage: Parking damage insurance covers damage to the parked vehicle caused by unknown third parties.
• Glass Plus: This covers all breakage of vehicle components made of glass or glass substitutes. It includes, for example, damage to headlights and indicators.
• Cross-Liability: This covers damage to property which is caused by collisions between vehicles of the same holder. If company car 1 collides with company car 2, Helvetia covers the damage.
• Waiver of gross negligence: Even when the loss or damage is a result of gross negligence, benefits are not reduced. For example, if an accident is caused by passing a red light.
• Assistance: Helvetia takes care of organising breakdown assistance and covers other costs which are incurred as a result of breakdowns and accidents to the insured vehicle. These include towing costs, recovery costs and the costs of returning the vehicle to home. Helvetia covers travel and overnight accommodation costs for all occupants of the vehicle.
• Business equipment: This supplement applies in the event of the loss or destruction of or damage to personal equipment which is used for work-related purposes. Example: Laptop. The equipment must belong to the driver, a passenger or the policyholder. Mobile phones cannot be covered.
• Motorcycle safety clothing: This insurance includes damage to and theft of helmets, coveralls, protectors, boots and gloves.
  

Fleet insurance is suitable for all companies which have a business vehicle fleet of at least five vehicles. Companies have lower administrative costs when they select a fleet contract. One key advantage is that the insurance is automatically updated when a new car is registered. So fleet managers do not run the risk of forgetting the insurance cover on a newly registered vehicle.