Fleet Insurance
Your vehicles drive for your business, so every accident can cost your company. Fleet insurance covers all your vehicles in a single policy.
What it covers
The damage you cause to others
One of your vehicles injures someone or damages a car. This mandatory cover pays for the damage.
Damage to your own vehicles
Your vehicle is damaged, even when the accident is your fault. It gets repaired.
A personal car used for work
An employee has an accident in their car on a work trip. They are covered.
Breakdown help and legal defense
After an accident, you need a tow or a lawyer. It is taken care of.
What it does not cover
- If someone uses a company vehicle privately without saying so, the insurer can refuse to pay.
- If the driver had been drinking or using drugs, they are not covered.
- If a vehicle is not listed in the policy, it is not insured.
Who is it for?
You have several vehicles
From three vehicles, a single policy costs less than insuring each car on its own.
Your sales team drives a lot
A special cover protects their personal car when they drive for work.
You have delivery drivers or technicians
Vans have more accidents, so a good policy avoids nasty surprises.
Frequently asked questions
From how many vehicles is it a fleet?
Usually from three vehicles. Below that, you stay on a policy per car.
Is the cover for personal cars automatic?
No, it is an option to switch on. It quickly becomes useful once an employee drives for work in their own car.
Can I add or remove a vehicle during the year?
Yes, without redoing a policy each time. Everything is settled once a year.
What about electric vehicles?
They have specific needs, like the battery or the charger. Lesto checks that your policy covers them well.
Ces garanties vont souvent ensemble
Property Damage (BOP)
A fire or water damage can shut your premises overnight. This insurance pays for the repairs and keeps you afloat until you reopen.
LiabilityProfessional Liability
When a client blames you for a mistake or a delay, legal fees pile up fast. Professional Liability (the cover for mistakes in your work) picks up the bill for you.
Your program deserves to be calibrated to your reality.
One conversation is enough to identify your gaps and offer something better.