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Motor Fleet

AIG provides essential third-party cover for fleets owned and operated by a range of businesses – from medium-sized regional organisations to major national chains.

Why Choose AIG for Motor Fleet Insurance?

AIG Motor Fleet Protect shields businesses from third-party compensation claims that stem from motor accidents, including cover for injury or property damage. Motor Fleet Protect is a highly flexible policy for company car and van fleets, and can be extended to protect against accidental damage, fire and theft depending upon each client’s need.

With multinational expertise and effective risk management solutions, AIG provides unparalleled Motor Fleet solutions. Our award-winning motor claims team offers outstanding technical expertise, and our fleet risk consultants provide tailored support and best-in-class service to policyholders. 

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The AIG Advantage

Where We Can Help

We provide fleet risk transfer and risk management solutions for larger fleets with over 50 vehicles. Read more about where we can help.

Appetite and Sweet Spots

Fleet Risk Consulting

Our Risk Consulting Services help clients prevent losses and reduce their cost of risk. Policyholders receive tailored support from our fleet risk consulting team.

Multinational Liability

With multinational expertise in our UK motor team and decades of experience in providing fully compliant global Motor programmes for clients through our worldwide network, multinational is an exceptional area of growth opportunity.

Risk Management Solutions

Our dedicated Risk Management Solutions unit within our UK Liabilities team is focused on the development and delivery of a range of alternative programme solutions to meet our clients’ needs.

Claims Excellence

Our award-winning Motor claims team provides outstanding, responsive technical expertise throughout the claims process. Delivering cost control through AIG’s Approved Repair Network. These costs would otherwise feature against Motor Fleet Protect clients’ claims experience.

AIG Motor Fleet Solutions

Risk transfer and risk management solutions for a wide range of fleets, from medium-sized regional operations to major national chains, requiring unconventional fronting and captive solutions.

Motor Fleet Protect Product Profile 

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  • 50 vehicle minimum on mono-line basis with flexibility for cross-class package (wholesale motor business subject to £25k minimum premium)
  • Minimum excess level of £350
  • Focus on complex risk profiles
  • Low attrition / potential high severity risk profiles
  • Commitment to utilisation of AIG Repair Network
  • Tri-partite collaborative relationship
  • Risk management culture

  • We can provide the following structured risk management services: High Deductible, Captive or Assumed RI
  • Min retentions: Risk and loss history dependent with retention to be set where the frequency starts to reduce. For low frequency accounts min of £50k retention
  • All programmes will have supporting legal agreements and fully collatoralised by way of a letter of credit, security trust or Euler Hermes Bond
  • Appetite: Depending on retention, as an example, we can consider logistics, haulage, waste removal and other sectors with specialised motor exposures

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.

Our Motor Fleet leadership team

View contact information for AIG UK’s Motor Fleet leaders.

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