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Commercial Lines

Key features

Our Minifleet product is designed to be traded online and is packed with extensive covers as standard:

  • Over 3,600 occupations and trades accepted
  • Available for Private Cars, Goods Carrying vehicles up to 44,000kg (Own Goods only), Agricultural vehicles, Special Type vehicles and Trailers
  • Previous fleet experience required
  • Flexible driving options (dependent on vehicle insurance group and driver age)
  • Vehicle registration lookup functionality – Private Cars & Goods Carrying Vehicles up to 3,500kg
  • Blanket certificates
  • AXA will update the Motor Insurance Database
  • Range of additional covers available

Flexibility

  • Cover options for each vehicle:
    • Comprehensive
    • Third Party, Fire and Theft
    • Third Party Only
  • Vehicle types:
    • Goods carrying vehicles up to 44,000kg gross vehicle weight
    • Business cars for social, domestic and pleasure and business use
  • The ability to extend to include agricultural vehicles, special type vehicles and trailers
  • A courtesy vehicle whilst the vehicle is being repaired by an AXA approved repairer (for Private Cars and Goods Carrying Vehicles up to 3.5 tonnes, subject to availability).

Cover for electric vehicles

The key points are:

  • Definition of accessories to include charging cables, adapters and connectors
  • Cover for loss of or damage to EV chargers (wall mounted or posts). This extends to EV chargers at employee’s home if supplied with an EV by the insured
  • Third Party section extended to clarify cover for liability arising from use of vehicle when being charged

Please get in touch to discuss EV fleet business.

0800 051 8001
Email us

Policy documents

 

 

Covers at a glance

Standard cover Cover offered

Legal liability to Others

Unlimited

Personal injury

Unlimited

Damage to property following an accident involving a vehicle covered by the policy

Up to: £20,000,000 in respect of private cars £2,000,000 in respect of any vehicle carrying Hazardous Goods £10,000,000 for vehicles other than private cars £5,000,000 costs and expenses for any one claim or any one event

Manslaughter defence costs

Up to £5,000,000 for any one event or during any one period of insurance

Emergency treatment cover

Yes

Trailers and mechanically disabled vehicles

Within the limits specified

Indemnity to principles

Within the limits specified

Unauthorised movement

Within the limits specified

Unauthorised movement

Within the limits specified

Contingent liability

Within the limits specified

Cross liabilities

Within the limits specified

Service or repair

Yes

European cover

Yes

Vehicle breakdown referral service

Yes

Uninsured loss recovery

Up to £100,000 for all claims arising out of one event 

Optional cover

Included with Comprehensive cover option Cover offered

Loss of or damage to your vehicle

Up to the market value of your vehicle including attached accessories and spare parts

Windscreen and window replacement

Yes

Personal accident

£2,500 for any one incident

Medical expenses

Up to £250 per person injured

Personal effects 

Up to £250 any one claim 

FAQs about our Minifleet Insurance

Here are some common questions we see from brokers. If you can't find what you're looking for here, please get in touch.

Through which platforms can I trade Minifleet?

Extranet Acturis PowerPlace SSP Applied

Yes

Yes

Yes

No

Yes

Can I amend my client's renewal date?

eTrade policies are set to run for 12 months, and therefore the end term dates can't be amended.

Do you accept young drivers?

Yes, we can accept young drivers subject to certain criteria including fleet size, vehicle type, vehicle rating and age and experience of drivers.

Will my client’s car require a tracker?

The car will require a tracker if it has a grouping over 40 and is worth over £50,000. If a tracker is applied, full details of the endorsement will be found on the quotation documents.

Can you insure Director owned vehicles?

We can include vehicles owned by Directors. You will be able to enter the name of the Director when selecting the vehicle owner description.

Do you accept Hire & Reward?

Hire & Reward is not something we accept online.

What’s the maximum vehicle value you accept?

The maximum acceptable individual vehicle value on our Minifleet product is £100,000 for business cars, £150,000 for Goods Carrying Vehicles and £75,000 for agricultural and special type vehicles.

Do you accept new ventures?

We cannot offer cover for new ventures as we require a minimum level of confirmed claims experience to have been earned previously in the same name or legal entity as the proposer.

Register for Connect Extranet

Key reasons to register:

  • Ability to quote and buy
  • Instant access to policy documentation
  • Full management and adjustment of existing policies
  • Simple steps to flex-commissions
Register

Get in touch today

Our dedicated Underwriting team are on hand to answer any questions you have and provide a fast response to referrals, so let us know how we can help.

0800 051 8001
Email us