Car Insurance Small Fleet / Fleet
For fleets / small fleet from three vehicles
Starting with three commercially used vehicles with the right to no-claims discount (SFR), you will receive a small fleet policy from us that offers you a whole range of advantages compared to individual insurance policies.
Your advantages with us
Calculator for Car Insurance Small Fleet / Fleet
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Your benefits at a glance
the vehicles are classified as usual after the individual no claims discount
depending on the claims history of the entire vehicle fleet you will receive an attractive discount in addition to the SFR
This discount also applies to all newly added vehicles and for all types of motor insurance
What requirements apply to the small fleet model?
At least 3 to a maximum of 20 pulling vehicles must be insured with us
the vehicles must be used commercially
Only cars and commercial vehicles (each without rental risks) can be insured
Vehicle owners and policyholders must be identical
For fleets with at least 15 up to a maximum of 49 towing vehicles
With this solution, we do not classify your vehicles according to the vehicle-specific freedom from claims, but determine a uniform contribution rate for all.
Your benefits at a glance
Clear overview of costs, because every vehicle, no matter what type, is insured with the same contribution rate (discount rate class) in the motor liability, fully comprehensive and partially comprehensive insurance
newly added vehicles are also classified in the discount rate category applicable to your fleet
only the claims history of the entire vehicle fleet determines the contribution rate. Therefore, a small single damage does not necessarily lead to the demotion
With good claims history, you automatically go into a higher discount rate and pay less
What does fleet classification mean?
The contribution you make to your vehicles is based on the individual claims history of your entire fleet.
The fleet classification applies to all types of registration and non-approved vehicles, including machines. Trailers and swap bodies as well as for the insurance areas motor vehicle liability insurance, fully comprehensive and partial comprehensive insurance. All vehicles and risks added during the year are also classified in the discount rate applicable to the existing fleet.
What requirements apply to the fleet classification?
The fleet must include at least 15 to a maximum of 49 towing vehicles
Vehicle owners and policyholders must be identical
For fleets 50 or more towing vehicles
In the unit price model, your fleet is divided into vehicle classes. Criteria for this are mostly vehicle type and use. For each class a unit price per vehicle is determined. Their total contribution is calculated from the sum of the unit prices of each individual vehicle.
Your benefits at a glance
For large fleets, it pays off for you to first divide your vehicles into homogeneous groups and then set a cost-effective, fixed unit price per vehicle type
New vehicles are also classified in the class at the agreed unit price
We determine these unit prices from the claims history of the respective class
For the following years, we recalculate the contributions annually on the basis of the individual loss experience in the current and the previous three calendar years.
Which requirements apply to the unit price model?
At least 50 pulling vehicles must be insured
Vehicle owners and policyholders must be identical