General Exceptions, Conditions & Provisions                                                                     –               Accounts Receivable

Computer Equipment                                                                                                              –               Business All Risk

Fire and Buildings Combined and Commercial Buildings Sections                               –               Accidental Damage

Money                                                                                                                                         –               Employers Liability

Theft                                                                                                                                            –               Stated Benefits

Office Contents                                                                                                                         –               Machinery Breakdown

Business Interruption                                                                                                              –               Interruption following breakdown.

Glass                                                                                                                                            –               Houseowners and Householders

Fidelity

Goods in Transit

Why insure your motor vehicles on a fleet vs a specified basis?

The client doesn’t need to advise the insurer if they add or delete vehicles. If you ensure the vehicles on a specified basis and forget to notify us of the charges, there would be no cover in the event of a loss. However, if insured under a fleet cover would automatically exist.

• Not every insurer is prepared to cover fleets monthly in terms of payment of premium.
• On a specified basis the full premium is payable on each vehicle upfront, but on the fleet product the insured can elect to pay on a deposit basis (the insured would be saving upfront and will have a much better incentive to manage his fleet. If claims exceed a certain amount, then the balance would be payable)
• Offer a motor fleet unsupported

To obtain a quote for the Motor Fleet Product (minimum of 15 or more vehicles), we require:

• 3 years detailed claims experience (gross)
• Number of units per years
• Excess structure per year
• All we need is an annual declaration at the end of the period of insurance and we will process any adjustment.