Small Fleet for SMEs
eTrade via Zurich Online or Acturis
Table of contents
About our Small Fleet product for SMEs
Our Small Fleet policy is designed for businesses with a fleet of between 2 and 20 vehicles.
Cover highlights
- Any driver cover (no young/inexperienced driver excesses)
- Uninsured loss recovery service, including motor prosecution defence cover
- Automatic Europe-wide cover (EU and Iceland, Norway and Switzerland)
- Courtesy vehicle (subject to availability)
- Cover for loss of keys
- Medical expenses for each person travelling in the insured vehicle, where injury has a direct connection with vehicle
- Cover for damage to, or loss of, personal effects
- New-for-old vehicle replacement on commercial car and commercial vehicle (conditions apply)
- 24-hour accident and emergency helpline and accident recovery service
Additional coverage for electric vehicles as standard
If a customer’s battery electric vehicle is damaged and requires repair, they can receive a battery vehicle replacement.
In addition, with our enhanced coverage they’ll get:
- Cover for accessories provided by the manufacturer (e.g. charging cables, adaptors)
- Cover for home-installed charging points
- Cover for damage to the battery (e.g. an electricity surge damaging only the battery)
- Cover for liability arising from a charging incident
The cost of this additional cover is included as part of the premium charged upon purchase of a Small Fleet policy.
What types of business do we cover?
- Fleets of between 2 and 20 vehicles
- Established UK businesses
- Predominantly commercial cars and vans, plus a range of other acceptable vehicle types
- Vehicles used for carrying own goods
- At least one year of claims experience, either fleet confirmed claims experience or no claim discount
Get a quote
You can get a quote via Zurich Online or Acturis. We’ve been given a five-star rating for both in the Insurance Times eTrading Star Ratings report.
If you don't have an account and would like to trade with us:
If you have an account with us already, just log in to get a quote.
Why choose our Small Fleet product?
A claims service your clients can depend on
- We aim to authorise cash settlements the same day for accidental damage claims under £2,500
- We’re ready to help via our helpline, claims portal, live chat and video calling
- We provide a free and confidential health and wellbeing service, including counselling, for all customers and their employees when they make a claim. Access to Zurich Support Services is not part of an insurance contract with Zurich, and we reserve the right to withdraw access at any time without notice
We make things easier
- Digital documentation in minutes, including certificates at bind stage
- No declarations. As-and-when changes to vehicle schedule and pro-rata mid-term adjustments with automatic update of the Motor Insurance Database
- No matter how you get in touch, live chat, phone, or email, you’ll always speak to one of our expert SME underwriters. Not a bot.
Zurich Resilience Solutions
With a dedicated team of risk management specialists, Zurich Resilience Solutions can provide organisations large and small with practical tools, expert advice and tailored support to manage and mitigate risk.
Its suite of risk management services can be purchased independently, your clients do not need to have an insurance contract with Zurich.
Working with Zurich
Club Blue
We're committed to forging strong partnerships with our regional brokers. Zurich Club Blue members benefit from a range of support focused on three core pillars: ease of trading, professional development, and future-proofing.
Delegated authority
If you’ve got a scheme opportunity, find out about the support we can offer as a delegated authority partner and how to register your interest.
Resilience risk review for your business
Our business resilience risk review is designed to help identify, assess and manage risks that could impact the continuity and resilience of your business operations as a broker.