Mini Fleet motor insurance

• Unlimited cover for death or bodily injury of any persons (including passengers)
• Loss of or damage to material property up to £20m for cars (£5m all other vehicles)
• Replacement locks up to £2,000 in the event of keys being lost or stolen
• Legal assistance plan – up to £100,000 for legal expenses related to the recovery of uninsured losses
• Territorial limits of the policy include EU and extended EU countries

• Unlimited ‘new for old’ cover for the cost of a replacement vehicle within 12 months of first registration
• Personal accident – up to £5,000
• Medical expenses – up to £250
• Personal effects – up to £250
• Tools – up to £500 on any one claim

• Breakdown – available in four options for cars and goods carrying vehicles under 7.5 tonnes gross vehicle weight
• Flexible commission – reduce to as low as 0% or increase to a maximum of 20%

Examples we target and are at our most competitive in include:

• Fleets of between 2 and 6 vehicles (at our most competitive)
• Fleets consisting primarily of small cars and vans
• Companies with experienced drivers and clean licences
• Companies based outside of major urban areas
• Risks which have been previously fleet rated
• Risks which use risk management tools (e.g. telematics and cameras)

Risks we don’t write – or write only rarely as a small part of a wider portfolio – include:

• Young drivers aged 17-18 years old at new business
• Any element of hire and reward – including courier, haulage and private hire risks
• Risks which include motor trade, airside or hazardous exposure
• Fleets which have a high claims frequency and/or multiple large losses