Fleet Insurance | Motor Fleet Insurance | Commercial Vehicle Insurance Dubai

What is Fleet Insurance

Motor Fleet insurance (aka commercial fleet insurance) is insurance created for multiple vehicles in a single insurance policy. This insurance plan is curated for businesses aiming to insure multiple vehicles for transportation and courier services including cars, minibuses, trucks, HGVs and taxis under a single insurance policy.

It is designed to provide comprehensive coverage for businesses or organizations that operate a fleet of vehicles such as cars, vans, trucks, or speciality vehicles.

Features & Benefits of Fleet Insurance

This insurance plan provides medical coverage for the driver.
The major potential of motor fleet insurance plans is to cover all vehicles under a single policy.
If any damage happens during incidents, fire, burglary, natural calamities, etc can be covered under the fleet insurance policy.
Any third-party injury or death and vehicle damage are covered under motor fleet insurance.
Under these motor fleet insurance policies cover medical expenses due to weather events and also provide medical coverage.
It provides agency repair, premium workshop repairs, and garage or Non-agency repair options.

Who can buy motor fleet insurance?

Especially, this insurance is for business organizations serving courier services, minibus, car rentals, large goods vehicles, etc., and is valuable to purchase under this motor insurance policy. It is easy to handle, hassle-free and Low-budget for the business.

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Types of Motor Fleet Insurance in UAE

There are two types of Motor Fleet Insurance including Comprehensive Full Coverage Insurance and Third-Party Liability Insurance.

Comprehensive Full Coverage Insurance

Comprehensive Full Coverage Insurance is an all-inclusive insurance policy that offers commercial motor fleet insurance arising from any kind of accident. It covers total loss caused by a catastrophe, fire, theft, accident, man-made disaster, or any other foreseeable loss.

Third-Party Liability Insurance

Third-party liability Insurance is set in the UAE, it covers the damage incurred by any kind of loss to the third-party vehicle. It does not cover the damage incurred by the driver or passengers of the insured vehicle or damage to the insured vehicle.

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What is Fleet Insurance Coverage?

Here are the following points that the Fleet Insurance covers and does not cover.

What is Covered Under motor fleet insurance?

Insurance covers all vehicles under one policy.
Provide the coverage arising from the vehicle accident, collision or overturn.
Covers car damage sustained by explosion and fire
Dedicated to roadside assistance, the vehicle will be assisted to the nearest service station if, unfortunately, a breakdown occurs while driving on the road and collides with another vehicle.
No claim discount is also offered if you have not appealed a claim on your car insurance policy within a year will be discounted.

What is not covered under motor fleet insurance?

Any kind of incurred like oil leakage is not covered by this policy.
Damage that happens by negligence of the driver or other related persons is not covered.
If your insurance policy has expired or not renewed in a certain time, the claim is not confessed and paid.
If the driver has an invalid license or is driving under the influence of alcohol or drugs is not covered.
Any chemicals that have been transported are not covered by the policy.
Mechanical and electrical parts like brakes, wipers, steering, taillights, headlights, battery cables, and ignition switches are not covered by any claim.

Top 5 Best Fleet Insurance Company in UAE

AXA Insurance UAE

Website	https://www.axa.ae/
Address	Showroom #4, Um Al Sheif Building, Plot #514-0, Makani #19694 80701, Next to the Metropolitan Hotel
Contact Details	+800 AXA (292)
Operating Hours	8 Am to 8 Pm (Sunday to Thursday)

RSA Insurance UAE

Website	https://www.rsainsurance.co.uk/
Address	2,204, Office Court, Opp Rashid Hospital, Oud Mehta, Bur Dubai, Bur Dubai, Dubai
Contact Details	04 3029800
Operating Hours	8 Am to 8 Pm (Sunday to Thursday)

Noor Takaful

Website	–
Address	F9G8+J89 – Al Falah St – Al Danah – Zone 1 – Abu Dhabi
Contact Details	800 8252385
Operating Hours	7 AM to 7 PM (Monday to Friday)

Oman Insurance Company

Website	https://www.sukoon.com/
Address	Omar Bin Al Khattab Street, Next to Al Ghurair Mall, Deira, P.O. Box 5209 Dubai, United Arab Emirates
Contact Details	800 785666
Operating Hours	7 AM to 5 PM (Monday to Friday)

Dubai Insurance Company

Website	https://www.dubins.ae/
Address	Dubai Insurance Head Office Al Rigga Road, Deira, P.O Box 3027, Dubai – UAE
Contact Details	800 382467
Operating Hours	8 AM to 5 PM (Monday to Friday)

FAQs About Motor Fleet Insurance

Motor Fleet Insurance is an inclusive insurance that includes one or more vehicles into a single policy.

Fleet insurance covers many vehicles including cars, vans, trucks, minibuses, lorries, trailers, and special vehicles used for business organizations.

Premiums for fleet insurance are calculated based on a number of factors, including:

Number and types of vehicles insured
Age, condition, and value of vehicles
Claims history and driving records of drivers
Annual mileage and intended use of vehicles
Security features installed in vehicles
Location and operating territory of vehicles

Yes, it usually covers drivers under one policy. Insurers may need information about drivers’ age, experience, and driving records to assess risk and determine premiums.

Remember that the Motor Fleet Insurance does not cover if invalid license or driving under the influence of alcohol or drugs.

Yes, it is included in almost all tiny and large vehicle insurance. Motor fleet insurance policies may contain certain restrictions or exclusions like limitations on vehicle types, driver qualifications, and use restrictions. It is mandatory to review the policy details consciously and discuss any questions with your insurance provider.

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