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Fleet and company vehicle insurance
We design an insurance policy suitable to cover the risks associated with the ownership and use of multiple vehicles, whether in a personal or professional context.
In short
What is fleet insurance
A fleet policy groups all the company's vehicles into a single contract with common conditions and expiry. Unlike the sum of individual policies, it allows negotiating the premium based on the actual claims of the whole, adding and removing vehicles without re-contracting, and having aggregated information to act on the causes of claims instead of just paying them.
Advantages
Advantages of fleet insurance
Grouping in a fleet has administrative and economic effects that are not seen in the first year's premium.
One expiry instead of twenty
The entire fleet renews on the same day and is negotiated as a block. The administrative management savings usually justify the change on their own.
The new vehicle is on the road today
Additions take effect with a communication, without a new contract or waiting. A vehicle stopped due to paperwork costs more than the premium difference.
Data to act, not just to pay
Claims by vehicle, driver, and cause indicate where to intervene with training or route review. It is the only lever that sustainably lowers the premium.
Participation in the good result
From a certain volume, access is gained to modalities where low claims are returned in the form of a refund. Prudence at the wheel has a direct return.
Profile
Who we work for
Distribution and delivery companies
Van fleets with high driver turnover and claims concentrated in urban manoeuvres.
Heavy transport
Tractors, semi-trailers and special vehicles with specific requirements for mandatory RC and goods.
Company fleets and leasing
Vehicles assigned to sales and executives, requiring homogeneous cover and agile management.
Mobile machinery and special vehicles
Forklifts, platforms and self-propelled machinery, requiring alignment between circulation RC and operational RC.
Technical criteria
What makes a fleet more expensive
In fleets, the premium is a consequence of claims. Working only on the price without addressing claims is a one-year relief.
Not knowing who drives what
Without driver-vehicle assignment, it is impossible to identify where claims are concentrated, and the insurer ends up increasing premiums for everyone equally.
Poorly sized deductibles
A low deductible turns every parking bump into a claim. Frequency drives the premium up much more than the amount.
Scattered expiry dates
Individual policies with twenty different dates prevent block negotiation and multiply administrative work.
Machinery in no man's land
Forklifts and platforms fall between circulation RC and operational RC, and often neither covers them.
Scope
Main covers of fleet insurance
- Mandatory and voluntary RC with limits extended beyond the legal minimum
- Own damage, with and without deductible, and vehicle fire and theft
- Windscreens, roadside assistance from kilometre zero and replacement vehicle
- Legal defence and damage claims against the liable party
- Driver and passenger accidents
- Additions and removals with immediate effect and periodic premium adjustment
The definitive scope depends on the wording of each insurer. We review it with you before recommending anything.
The JORI& method
Cómo trabajamos
El mismo método en cualquier solución: entender la exposición real antes de mirar una prima.
Análisis del riesgo
Estudiamos la actividad, el patrimonio y los escenarios plausibles. Sin ese diagnóstico, comparar pólizas es comparar precios de cosas distintas.
Diseño del programa
Definimos coberturas, límites, franquicias y exclusiones aceptables. Decidimos qué se transfiere al asegurador y qué se retiene de forma consciente.
Negociación con el mercado
Presentamos el riesgo a las aseguradoras con las que trabajamos y negociamos condiciones. Somos independientes: no pertenecemos a ninguna compañía.
Acompañamiento y siniestros
Revisamos el programa cada renovación y, cuando ocurre el siniestro, actuamos como tu parte técnica frente al asegurador hasta el cobro.
Frequent doubts
Lo que más nos preguntan sobre fleet insurance
From how many vehicles is a fleet policy worthwhile?
As a practical reference, from five vehicles there is room for negotiation, and from ten the administrative savings alone justify the change. With high volumes, it is possible to move to models with profit-sharing.
How is the premium for a fleet calculated?
Based on claims over the last three to five years, the type of vehicle, its use and the geographical area. That's why we first work on the history: presenting the risk with organised data and corrective measures changes the price more than asking for a discount.
What happens if I add a vehicle mid-year?
It joins the fleet with immediate effect through communication, without a new contract, and the premium is prorated until the common expiry. This is one of the main reasons for grouping in a fleet.
Is it advisable to increase deductibles to lower the premium?
In fleets with many small claims, yes. Internally assuming minor damages reduces the declared frequency and improves renewal. It is a treasury decision that must be measured with numbers, not intuition.
Does the policy cover any employee who drives?
Yes, if it is contracted as open or occasional driving. It is advisable to expressly declare it when there is high turnover or young drivers, because an unmet driver limitation can lead to insurer recourse.
How do I insure forklifts and self-propelled machinery?
They require their own circulation liability if they move on roads where it is required, and explicit alignment with operational liability for when they work within facilities. We always review this overlap because it is a very common gap.
Vehicles and Fleets
The premium of your fleet is explained with data
We analyse your claims history over the past years by vehicle and cause, and present you with a fleet proposal with specific levers to reduce it.
- Independent broker: we do not belong to any insurer
- The specialist in the field you consulted answers you
- The review is delivered in writing, policy by policy
Insights
Ver el tema mobility and fleets 
