Motor Fleet Insurance is a commercial insurance policy that covers multiple vehicles owned or operated by a business under a single policy. It simplifies insurance management while providing protection for company cars, vans, trucks, buses, and other commercial vehicles.

Motor Fleet Insurance is suitable for logistics companies, transport operators, delivery businesses, construction companies, car rental companies, corporate businesses, taxi operators, schools, government organisations, and businesses with multiple vehicles.

The minimum number of vehicles required depends on the insurer. Many insurers offer fleet insurance for businesses with three or more vehicles, while others may require a larger fleet.

Depending on the insurer, a fleet policy may cover company cars, SUVs, pickup trucks, vans, light commercial vehicles, heavy trucks, buses, and special-purpose vehicles. Eligibility depends on the insurer's underwriting guidelines.

Depending on the policy, coverage may include accidental damage, third-party liability, fire, theft, natural perils (where included), windscreen damage, roadside assistance, and optional additional benefits. Coverage varies by insurer and the type of policy selected.

Comprehensive Motor Fleet Insurance covers third-party liability as well as accidental damage to your own insured vehicles, subject to the policy terms. Third-Party Motor Fleet Insurance only covers legal liability for injury or property damage caused to third parties and does not cover damage to your own fleet vehicles.

Yes. Most insurers allow businesses to add newly purchased vehicles or remove sold vehicles during the policy period. Premium adjustments are generally made based on the policy terms and the period of cover remaining.

Yes. Many insurers allow mixed fleets containing different vehicle types, such as cars, pickups, vans, and trucks, provided they meet the insurer's underwriting criteria.

Premiums are generally based on the number of vehicles, vehicle types, vehicle values, driver profiles, business activity, claims history, coverage selected, and annual mileage or vehicle usage.

Insurers typically request the company trade licence, fleet vehicle list, registration cards (Mulkiya), vehicle values, driver information (if required), claims history, and current insurance details. Additional information may be requested depending on the fleet.

Yes. Fleet policies can generally cover authorised drivers of different nationalities, subject to the insurer's eligibility criteria, licensing requirements, and policy terms.

If a fleet vehicle is involved in an accident, ensure everyone's safety, notify the relevant authorities where required, obtain a police report, inform your insurer promptly, and submit the required claim documents. Following the insurer's claims procedure can help avoid unnecessary delays.

Yes. Many insurers offer roadside assistance as an optional benefit or include it with comprehensive fleet insurance policies, depending on the selected plan.

Yes. Many insurers offer Motor Fleet Insurance for SMEs and growing businesses that operate multiple vehicles, subject to their minimum fleet size requirements.

When comparing Motor Fleet Insurance policies, consider the coverage type, fleet eligibility, deductibles, optional benefits, claims process, driver restrictions, vehicle replacement options, premium cost, and the insurer's experience with commercial fleets. Comparing multiple insurers helps businesses choose a fleet insurance solution that suits their operational needs and budget.