Zurich Motor Fleet Insurance
Zurich is recognised as an experienced market leader in motor fleet insurance. We offer a comprehensive motor fleet insurance product that allows you to customise the wording to your clients' specific business needs.
To obtain cover under Zurich's Motor Fleet insurance, there must be 15 or more vehicles generating a premium in excess of $15,000 prior to charges. For smaller fleets, we can still insure your clients under Zurich Motor Insurance.
Preferred Fleet Business
- sedan / light commercial fleets where premium is $50,000 p.a. or more and where clients are receptive to risk control and claims management programs
- limousine, hire car and chauffeur driven fleets (excluding rental fleets)
- transport business (excluding refrigerated / livestock) comprising short and or medium haul, ie less than 600 km, including hazardous goods carrying vehicles and logging contractors, providing first-class risk management practices in place
- mobile Contractors Plant and Equipment, ie:
- earthmoving / roadworks / excavation / clearing / forestry (excluding "old growth" logging contractors)
- heavy earthmoving equipment involved in the mining industry (excluding "soft rock" underground / offshore risks).
- plant and equipment hire / rental fleets
- any fleet (notwithstanding the above) which has been risk engineered and has attained an 'excellent' or 'good' grading and has a satisfactory claims history
- customers requiring self insurance, under excess or aggregate deductible solutions.
Underwriting
We understand that every business is different and your clients will require customised wordings specific for their needs. To ensure we provide your clients with the best cover, all fleets are individually underwritten with a flexible approach. Our wordings can be tailored and various structures can be offered, such as Conventional, Claims Experience Discounts (CED), Burning Cost, Aggregate, and Claims Handling. Zurich Motor Fleet Insurance Questionnaires must be completed for all non sedan / light commercial fleets.
Claims Service
Our goal is to ensure your customers' vehicles are repaired quickly, using quality parts, and with minimal disruption to their business. With dedicated claims officers across Australia and access to our Motor Claims Online enquiry system, we can achieve this.
As part of our claims service to you, we offer:
- specialist claims staff for sedan, light and heavy commercial vehicles
- dedicated claims officer & backup support team
- choice of repairer
- only genuine manufacturers parts used in the repair process
- assistance in recovering any uninsured losses (eg excess, demurrage etc)
- vehicles assessed and repairs authorised within 24 hours
- specialised national assessing network
- Zurich Claims Online: a web-based online motor claims enquiry system allowing the status of a claim to be checked at any time.
Risk Engineering Services
We understand the importance of your clients' keeping their vehicles and employees safe and on the road. Our Risk Engineering team can assist you in understanding, managing and helping to reduce your clients' risks.
We have developed risk management tools that are designed to help manage the cost of motor risks. We recommend you consider the following:
- Loss Control Assessment: our team of Risk Engineers can review your clients' fleet management system for gaps and areas of improvement.
- Z fleet navigator: a secure web-based claims reporting and fleet analysis tool, designed to assist your clients in managing their fleets.
For more information, open our
Z fleet navigator flyer (PDF 316 KB).
- Virtual Risk Manager - Fleet: a unique web-based driver safety management system, designed to assist your clients manage their occupational road risk and promote a crash-free culture within their organisations.
For more information, open our Virtual Risk Manager Fleet flyer (PDF 1,149 KB).
- Fatigue Management with FaidSafe – this is a fatigue safety system that helps identify potential fatigue issues of employees.
Customers can either budget for higher insurance costs or use these tools to reduce accident costs.
For more information about this product, talk to your local Zurich representative or underwriter.
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