Fleet Insurance Switzerland – Optimal Protection for Your Company Vehicles

Protect your company vehicles with fleet insurance. Learn which coverages make sense, from how many vehicles it becomes worthwhile – and what to watch for when signing up.

Why is Fleet Insurance Important?

Whether you run a craft business, delivery service, or SME with a field sales team: Fleet insurance offers companies with 5 or more vehicles an easy and affordable way to centrally, efficiently, and comprehensively protect their company cars – with just one policy.

Benefits of Fleet Insurance at a Glance

✅ All vehicles insured under one contract
✅ Uniform premium billing for the entire fleet
✅ Comprehensive protection – from liability to casco
✅ Less administrative effort for changes
✅ Custom additional coverages depending on industry and needs

What Does Fleet Insurance Cover?

🔹 Liability Insurance
Covers damages caused by your drivers to third parties (vehicles, people, or property).

🔹 Partial Comprehensive Insurance
Covers damages from:

Storm, hail, flooding, stone chips, fire
Theft and animal collisions
Glass breakage on front, side, and rear windows
Marten damage and vandalism

🔹 Full Comprehensive Insurance
Additional protection for:

Self-inflicted accidents (e.g., rear-end collisions)
Total loss with market value or market value plus
Recovery, towing, and repatriation costs

🔹 Accident Insurance
Covers drivers and passengers for:

Injuries, hospital stays, disability, or death
Damage to medical aids (e.g., glasses, prosthetics)
Costs for pets in the vehicle

Useful Additional Coverages for Your Fleet

Many insurers offer optional modules tailored to daily business risks:

✅ Parking damage: protection against damage to parked vehicles
✅ Cross-liability: damage between your own vehicles
✅ Professional items carried along: e.g., laptops, tools
✅ Personal effects: private belongings of drivers
✅ Glass Plus: protection for headlights, mirrors, light bulbs
✅ Legal protection: for disputes related to vehicles
✅ Tire insurance: damage from nails, curbs, or vandalism
✅ Gross negligence protection: no recourse for driving errors (e.g., phone use)

Services That Keep Your Fleet Running

A modern insurer offers not only coverage but also support in case of damage:

🔧 Breakdown assistance & replacement vehicle (assistance)
🧾 Central premium billing once a year
📩 Easy vehicle reporting by email
🚗 Automatic contract extension for new registrations
🛡️ Premium exemption in case of incapacity to work
🔄 General Terms and Conditions update guarantee

Prevention Saves Costs and Lowers Premiums

With targeted measures like driver training, GPS tracking, dashcams, or automated claims management, companies can reduce their claim rates – and thus optimize insurance premiums in the long term.

In Case of a Claim – The Process

Report damage online or by phone
Inspection by a specialist
Repair in a partner workshop or own garage
Option for payout if waived
Personal support by a specialist

Conclusion

✅ Fleet insurance is worthwhile starting from 5 vehicles – whether cars, vans, trucks, or trailers.
✅ With tailored coverage, clear premium structure, and optional services, you are legally, financially, and logistically protected.
✅ Compare now with Compando – and find the right solution for your fleet.