Taking Care of the Wheels That Keep Your Company Running
Keeping your company on the road is critical, which is why we designed our vehicle fleet insurance with easy and adaptable options, whether Comprehensive or Third Party insurance. We also provide Orange card insurance plans.
What does it Cover?
Comprehensive
Third Party Comprehensive coverage for automobiles and accessories against accidental and unintentional loss or damage caused by the policyholder or the driver of the vehicle. Third Party coverage is included, as noted below.
Third Party
The insurance, which is required by UAE law, offers coverage for amounts that the vehicle’s owner may be legally responsible for in respect of: Death or physical harm to any individual, including all vehicle occupants (except the policyholder, his spouse or the driver) Damage to property (except those owned by the policyholder or the driver at the time of accident or property that has been entrusted to the policyholder or is in his custody or control)
FAQs About Vehicle Fleet Insurance In UAE
Is vehicle fleet insurance mandatory in the UAE?
Yes, under UAE law, every single vehicle on the road must have at least Third-Party Liability insurance. While having a specific “Fleet Policy” (bundling them together) is not legally mandated, insuring the vehicles themselves is strictly compulsory to avoid fines and impoundment.
How much should fleet insurance cost?
It varies by vehicle type and coverage.
(i) Third-Party Only: Can range from AED 450 – AED 1,000 per vehicle annually.
(ii) Comprehensive: Typically costs between 1.5% to 3.5% of the total fleet value, depending on the loss history and vehicle types (e.g., heavy trucks vs. sedan cars).
What is the minimum number of vehicles for fleet insurance?
Most UAE insurers require a minimum of 5 vehicles to open a corporate fleet policy. Some insurers may accept as few as 3, but “Mini-Fleet” rates generally become attractive at the 5+ vehicle mark.
What is considered fleet insurance?
Fleet insurance is a commercial umbrella policy that covers multiple vehicles (cars, vans, trucks, motorbikes) under a single contract with one common renewal date. It replaces the need to manage dozens of individual policies and dates.
Is it worth getting fleet insurance through a broker?
Yes. A broker can negotiate “open cover” terms, allowing you to add/remove vehicles instantly without waiting for individual approvals. Brokers also help reduce premiums by analyzing your fleet’s claims history and advocating for you during complex multi-vehicle accidents.
What is covered in fleet insurance?
Standard fleet policies offer two levels:
(i) Third-Party Liability (Mandatory): Covers damage to others’ property or injuries to people.
(ii) Comprehensive: Covers the above plus own damage to your vehicles, fire, theft, and often natural perils (storms/floods).
Who needs vehicle fleet insurance?
Any business operating multiple vehicles, such as Logistics & Delivery Companies (trucks/bikes), Rent-a-Car Agencies, Construction Firms (transport buses/machinery), and Corporate Offices providing cars to sales teams or management.
How to check vehicle fleet insurance online in UAE?
You can verify the status of individual vehicles within your fleet using the Emirates Vehicle Gate (EVG) portal or the Ministry of Interior (MOI) app.
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