Motor Fleet

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Our Motor Fleet policy is designed for larger fleets and those with specific cover requirements. We have the flexibility to tailor cover to meet the different needs of your clients.

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Why choose NIG for Motor Fleet?

Regional expertise – talk to empowered decision makers in your local trading office.
Flexible Underwriting approach.
Instant documentation.
Statement of Fact basis – no need for proposal form.
Access to NIG Risk Assist portal.
Dedicated Claims Account Managers and efficient claims service.
A-rated insurer (A2 Moody’s).

What's covered

This is a summary of the cover available on the new policy wording. Please refer to your policy wording for full terms and conditions.

Cover types available: Comprehensive; Comprehensive Excluding Windscreen; Third Party, Fire & Theft; Third Party Only; Laid Up Fire & Theft and Laid Up Fire, Theft & Accidental Damage

Feature (Comprehensive Cover)	Standard limits
Third Party Injury	Unlimited
Third Party Property Damage Limit – Private Cars	£20,000,000
Third Party Property Damage Limit – Commercial Vehicles	£5,000,000
Accidental Misfuelling	Included
New Vehicle Replacement	For all vehicles, damaged beyond 50% of list price and less than 12 months old
Legal Costs – defending a prosecution at our discretion	Unlimited
Personal Accident Benefits	£10,000 per person
Emergency Treatment	Included
Medical Expenses	£500 per person up to £2,000 for any one accident
Personal Belongings	£500
Windscreen/window Damage	Included
Foreign Use in the EU/EEA	Included up to policy cover
Unauthorised Movement of Obstructing Vehicles	Included
Unauthorised Use or Driving of Vehicles by Employees	Included
Principals’ Indemnity	Included
Motor Legal Expenses	£100,000
Replacement Locks	Unlimited cover if vehicle keys or lock transmitter are lost or stolen
Audio or telecommunications equipment (permanently fitted)	£1,000
Cables for charging electric vehicles	Included

Sections available

General definitions

Accidental Damage
- Fire & Theft
Liability to Others
Legal Costs
Personal Accident Benefits
Emergency Treatment
Medical Expenses
Personal Belongings
Windscreen or Window Damage
Foreign Use
Trailers
Unauthorised Movement of Obstructing Vehicles
Unauthorised Use
Principals’ Indemnity
Motor Legal Expenses

Documents

The following policy documents apply to policies incepted on or after 2 September 2024 or renewal dates on or after 2 September 2024.

Legacy documents

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