Motor Fleet Protect

Essential third party cover to fully comprehensive policies that go beyond standard policies.

Motor Fleet Insurance protects businesses from compensation claims from third parties as a result of a motor accident. These third party claims could be in the form of financial compensation for injury or property damage for a third party. Cover can also be extended to indemnify the insureds vehicle against accidental damage, fire and theft.

Who is it for?

Wide range of fleets, from medium-sized regional operations to major national chains, requiring unconventional fronting and captive solutions.

See our Risk Appetite


Product Details

Motor Fleet Protect is a highly flexible insurance policy for well-managed company car and van fleets. It provides comprehensive or third party fire and theft or third party only coverage tailored to clients’ needs.

  • Third Party Liability - covers insured’s legal liabilities for injury and property damage.
  • Own vehicle damage - loss or damage to insureds’ own vehicles.
  • New for old - replacement of own vehicles less than a year old with 50% or more damage.
  • Excess-free repair of damaged windscreens windows and sunroofs.
  • Personal effects - £250 per person limited to £1000 in the aggregate.
  • Lost or stolen keys -unlimited costs of replacing affected door, boot and ignition steering locks.
  • Medical expenses - Up to £500 per person. 
  • Driver personal accident - up to £5,000 Personal accident benefits for injured drivers. 
  • Legal Expenses Insurance - optional whiplash reform ready policy providing cover up to £100,000 per vehicle legal protection costs.
  • Crisis Containment Consultancy costs to mitigate a potential company crisis after an accident.

Cover Summary

Comprehensive, third party fire and theft or third party only cover tailored to insured’s needs.

  • Third party property damage caused by private car limit - £20 million (can be extended to £35 million).
  • Third party property damage caused by commercial vehicle limit - £5 million (can be extended to £35 million).
  • Third party property damage limit caused by carriage of hazardous goods - £1.2million.
  • Enhanced new car replacement. Now also applies to all vehicles not just cars (cover limited in respect of commercial vehicles and special types).
  • Accessories including visual equipment limit - £5,000.
  • Medical expenses limit - £500 per person.
  • Personal effects limit - £250 per person limited to £1,000 in the aggregate.
  • New improved trailer section.
  • Unlimited loss or theft of keys.
  • Emergency Overnight Accommodation up to £500 for all occupants.
  • Crisis Containment up to £100,000 if an insured accident threatens adverse publicity. 
  • Legal Expenses Insurance – cover of up to £100,000 per claim for drivers of our insured’s vehicles for certain uninsured losses not included in the insured’s motor insurance policy, including legal costs and expenses.
  • Legal advice on any business-related matter, 24 hours a day, 365 days a year.


How can we help?

Knowing you have a team of experts across the UK, who understand your complex risks and can help you face them with confidence is more important now than ever before. 

Each AIG team member is fully committed, using their experience and expertise to assist you in protecting assets and maintaining business continuity.


Targeted Risk Management

Our dedicated Casualty Risk Consulting unit is focused on the developing and delivering of a range of alternative programme solutions to meet our clients’ needs.

There are many things businesses can do to manage their vehicle fleets to reduce their operational and insurance costs. We assist our clients by providing tools that experience shows provide effective risk management, to reduce current high accident and loss rates or complement an existing risk reduction programme that is achieving results.

Multinational Solutions

Our London multinational team of around 65 dedicated specialists from various countries has multilingual capabilities in over 20 languages and works closely with the underwriters to service multinational programs. In addition, Our global network of strong and well-established AIG local offices and top-tier global network partners means we can issue policies and service multinational clients across the globe.

Using our specialized global fronting capabilities in Multinational, Alternative Risk transfer and Captive solutions, we work with clients and brokers to produce bespoke multinational solutions. This allows our broker partners to respond to a wide range of multinational opportunities across all lines, sizes, sectors, and geographies worldwide.

Learn more 


Claims Excellence

Help when it matters most

Related Documents

See Motor Fleet documents