Motor Fleet Insurance

Cover for Your Company Vehicles

How many vehicles does my business need in order to take out motor fleet insurance?

Motor Fleet Insurance provides Motor Insurance cover for a Fleet of Vehicles & Drivers, typically with a minimum of 5 vehicles.

What does it cover?

Cover can be, comprehensive, Third Party Fire & Theft & Third Party Only.

Comprehensive covers accidental damage, fire, theft or attempted theft to your vehicle, it also covers any Third Party personal injury or Third Party damaged property claims made against you as a result of an accident.

Third Party Fire & Theft covers fire, theft or attempted theft to your vehicle, it also covers any Third Party personal injury or Third Party damaged property claims made against you as a result of an accident.

Third Party Only covers any Third Party personal injury or Third Party damaged property claims made against you as a result of an accident.

Is it on an open drive basis?

Yes. Driving is on an open drive basis but may vary depending on the policy & your requirements.

Full open drive is available for people aged between 17-70 years old and restricted open drive is available for those between 23-70 years old or 25-70 years old.

The above means anyone with the policy holders permission can drive the vehicle but is typically subject to drivers holding a full clean/unendorsed Irish driving licence. Anyone outside of this criteria should be referred to your Insurer and it is the responsibility of the policy holder to maintain a copy of all drivers driving licences (front & back) on file.

NOTE: Motor Policies do not cover the driver for any Accidental Injury following a motor accident. We would recommend that a Personal Accident policy should be taken out for each driver or a group policy can be arranged for a company with a number of drivers.

Class of Use can vary from:

  • Class 1 - Social Domestic & Pleasure purposes only.
  • Class 2 - Social Domestic & Pleasure purposes including business use for carriage of goods & samples.
  • Class 3 - Social Domestic & Pleasure purposes including business use for carriage of goods & samples and sales/soliciting orders.

Vehicles, Drivers & Class of Use is usually declaration based annually to insurers.