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Motor Vehicle Insurance

Comprehensive protection for both individual and company-owned vehicles, including commercial fleets.

Overview

Our motor vehicle insurance provides robust protection for your transport assets, whether you are an individual owner or a business managing a large commercial fleet. We simplify the process and ensure you get the best terms from our insurer panel.

1Who needs this?

Individual Car Owners
Logistics Companies
Trading Houses with delivery vans
Construction firms with trucks
Car Rental companies

What it covers

  • Own damage to vehicles
  • Theft and fire
  • Third-party bodily injury and property damage
  • Windscreen damage (optional add-on)
  • Special perils like flood/storm (optional add-on)
  • Goods-in-transit (as an add-on for commercial)

What is NOT covered

  • Wear and tear
  • Unlicensed drivers
  • Driving under influence

Important Note: Coverage details, limits, and exclusions may vary depending on the specific policy terms, the insurer selected, and individual risk profiles. Always refer to the actual policy document for full terms and conditions.

Common Claim Scenarios

Multi-Vehicle Collision

"A delivery van from a trading company was involved in a pile-up on the North-South Expressway. The fleet policy covered the repairs to the van and the third-party claims from other drivers involved."

Frequently Asked Questions

How many vehicles make a fleet?
Typically, insurers consider 5 or more vehicles as a fleet, but some offer mini-fleet options for 3+ vehicles.
Can I have 'Any Authorized Driver'?
Yes, fleet policies are flexible and can be set to allow any driver with a valid license to operate the vehicles.
Does it cover the cargo being carried?
Standard motor insurance doesn't. You need a 'Marine Inland Transit' or 'Goods in Transit' extension for the cargo.
What is 'Legal Liability to Passengers'?
This covers your liability if a passenger in your vehicle is injured. It's often mandatory for certain commercial vehicles.
How does NCD work for fleets?
Fleets often use 'Fleet Rated' pricing based on the overall claims experience of the entire fleet rather than individual NCDs.

Other Insurance Solutions

Contractors All Risk (CAR)

Comprehensive protection for contract works, construction plant, and third-party liability.

Learn More

Erection All Risk (EAR)

Specialized for the installation of machinery, plant, and steel structures.

Learn More

Commercial General Liability (CGL)

Covers bodily injury and property damage to third parties arising from your operations.

Learn More
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