Partner for BiH
Motor Fleet Insurance
Motor fleet insurance is a comprehensive insurance solution for all companies and individuals operating a fleet of three or more vehicles owned by a single person or firm, or vehicles held under lease.
Instead of each vehicle carrying a separate policy, the entire fleet is consolidated into a single flexible policy, securing more favourable terms and a lower premium than individual contracts. The policy can combine compulsory motor third-party liability (MTPL), comprehensive (own-damage) cover, guaranteed asset protection (GAP), a range of additional covers and roadside assistance, all tailored to the client's actual needs.
As a broker, VIPOX sets the optimal parameters and scope of cover, reviews the entire insurance market each year to secure the most competitive offer, and takes over the complete management of the policy and claims handling through a dedicated team. The goal is to give the client simple, transparent records, reduced fleet operating costs and active loss prevention, rather than having to coordinate several insurers themselves.
What can be insured
Cover is available not only for all vehicles bearing a registration plate but also for unregistered vehicles that do not travel on public roads, as well as for plant and machinery. Cover also extends to loss or damage arising while the machine is performing its working function (for example forklift trucks and construction and municipal machinery).
Who it is for
The solution is intended for hauliers and logistics companies, construction and municipal firms, distributors, taxi and rent-a-car fleets, and any business operating three or more company or commercial vehicles.
Real-world examples
Cover includes bodily injury and property damage caused to third parties in road accidents (together with the associated legal and court costs), damage or total loss to your own vehicles through collision, fire, theft or vandalism, glass breakage, injury to drivers and passengers, and the financial loss representing the difference between the market value and the purchase value of the vehicle (covered by GAP).
Our advantages
The client obtains a more competitive premium and better terms for the whole fleet than under individual policies, efficient and transparent administration with a record of all vehicles in one place, risk transfer and peace of mind in the event of major (catastrophic) losses, and product flexibility configured precisely to the firm's needs.
Our approach
VIPOX builds its motor fleet cover on a thorough understanding of the local market and the needs of each client. As an independent broker, we represent no single insurer; instead, each year we negotiate with the entire market and select the solution that is most favourable for your fleet. Telematics-based vehicle monitoring and driver training can further reduce the number of accidents and lower the premium, while prompt claim notification is key to maintaining favourable insurance terms. For clients with fleets across several countries, as AON's partner for BiH we also provide access to the international insurance market.