WHO NEEDS IT?
Risks not considered
The vast majority of SMEs do not have this type of protection due to saving on their expenses, but the loss of one or more units could mean a serious blow to the company's finances if their main activity depends on these units for carried out; or if an accident occurs where third parties are involved and not having at least civil liability insurance could put the company in serious trouble.
Fleet insurance are policies for vehicles designed to cover more than one unit, have coverages that allow you to protect the vehicles of your company against: material damage, total theft, civil liability of the unit and the cargo if required, medical expenses of the occupants and legal protection for the driver and the company.
Depending on the package you choose you can make one from 10 vehicles of different uses and models: utilitarian, cargo, employee, depending on the coverages in the chosen policy.
These are the damages that your vehicle suffers as a result of an accident. Depending on the insurance company can cover the damage caused by natural phenomena such as floods or earthquakes.
It amends the total theft of the unit or the material damage caused as a result of the robbery perpetrated.
It covers you for damage to third parties property and persons, as a result of an accident for the use of your vehicle, including compensation for moral damages which in its case is entitled by law.
This coverage offers professional services of qualified lawyers for your legal assistance and their presentation with the authorities due to an accident.
Medical Expenses for Occupants
It covers the payment of medical expenses for hospitalization, medications and services of nurses or ambulances caused by bodily injuries suffered by the insured or any person occupying the vehicle as a result of traffic accidents or at the time of theft or attempted theft of the vehicle.
Roadside assistance, crane delivery, vehicle locksmith.
Vehicle and Employees
Fleet insurance is a type of automobile insurance that covers a company's vehicles and the employees who drive them.
It is a type of policy that is especially useful for companies that have ten or more vehicles, because it achieves great profitability.
Regarding the price, taking out insurance like this can represent discounts of up to 40 percent on the premium, and depending on the company some additional coverages may not present charges.
In addition, insurance for fleets usually provides greater facilities to the client, such as the inclusion of the replacement vehicle, the fractional payment or even mechanical assistance.
In addition to the circulation insurance itself, you can request coverage in case of fire, explosion, glass breakage, theft and total loss of the vehicle.
Coverage for all your vehicles, you can even include your employees' vehicles.
Deduction of taxes on insured vehicles on behalf of your company.
24 hour assistance.
You can include coverages for cargo protection, as well as adaptations and special equipment.
REQUIREMENTS TO HIRE INSURANCE
List of units with:
- Vehicle Identification Number
- State and City of circulation
Data of the Contracting Party(Persona Física)
- Full name
- Official identification
- Proof of address
Data of the Contracting Party(Persona Moral)
- Business name
- Activity or social objective
- Line of business
- Official identification, contact information and proof of domicile of the legal representative