Auto and Fleet Insurance for Businesses
Key Points at a Glance:
- One policy for your entire fleet—from cars to vans
- Coverage for liability, partial, and comprehensive auto insurance claims
- Flexible contracts that can be tailored to the size and structure of the fleet
- Centralized Claims Processing with Dedicated Contacts
- Cost Optimization Through Combined Rates
Why Fleet Insurance Makes Sense for Businesses
A commercial vehicle fleet entails significant costs and risks. Whether it’s field service vehicles, delivery trucks, or service vans, any accident can be costly. A fleet insurance policy from Palatina combines coverage for all vehicles into a single policy.
This significantly reduces administrative overhead, and you benefit from customized terms tailored to your fleet’s usage and risk of damage.
What does fleet insurance cover?
Fleet insurance offers the same coverage as traditional auto insurance, but with additional benefits for businesses. It combines several types of coverage:
- Liability Insurance: Covers bodily injury, property damage, and financial loss to third parties
- Partial Coverage: Protection against theft, fire, glass breakage, damage caused by wildlife, or natural disasters
- Comprehensive Coverage: Covers damage caused by the policyholder as well as vandalism
- Additional Services: Roadside Assistance, International Coverage, Rental Car Service
All vehicles are managed centrally, which makes it possible to track damage statistics, control costs, and implement optimizations at any time.
Customized solutions for fleets of various sizes
Companies have different mobility needs. That’s why our Palatina offers flexible models for small, medium, and large fleets.
- Small fleet: three or more vehicles—ideal for small businesses or service providers
- Medium-sized fleet: 10–50 vehicles – for companies operating regionally
- Large Fleet: 50 or more vehicles – with customized premium calculations and a framework agreement
This ensures that your insurance coverage remains cost-effective and scalable.
Advantages of Centralized Claims Processing
A clear advantage of fleet insurance is its standardized claims processing. Our Palatina team provides dedicated contacts who coordinate all claims. This eliminates the need to file individual claims with different insurers. Companies benefit from shorter processing times, transparent processes, and predictable costs.
How does the loss ratio affect the premium?
The premium calculation is based on the loss ratio for the entire fleet. The fewer accidents or repairs there are, the lower the premium will be.
Our Palatina offers special no-claims discount programs: Drivers who remain accident-free for several years receive discounts or premium refunds. This means that driving defensively pays off financially as well.
Additional Protection and Extensions
In addition to standard auto insurance coverage, additional risks can be covered:
- GAP Coverage: Compensation for Total Loss or Theft of Leased Vehicles
- Passenger Accident Insurance: Protection for Drivers and Passengers
- Extended Environmental Damage Insurance: In the Event of a Spill of Operating Fluids
- Extended Overseas Coverage: For Cross-Border Operations
These extensions are combined on a case-by-case basis to meet the company’s actual needs.
Digitalization and Fleet Management
Many companies are digitizing their vehicle management. Our Palatina supports this transition by providing interfaces for fleet management software and electronic damage reports.
This allows vehicle information, contract data, and claims to be analyzed in real time. This ensures transparency and efficient processes in day-to-day operations.
Consulting and Services
Our experts will analyze your fleet, compare existing contracts, and identify potential savings. You will then receive a customized quote with a transparent cost structure.
Schedule an appointment now using our contact form or by calling our consulting team.
FAQ on Technical Insurance
What is fleet insurance?
Fleet insurance combines coverage for multiple company vehicles into a single policy. This simplifies administration and claims processing.
At what point is a company considered a fleet?
A small fleet can be insured even if it consists of as few as three registered vehicles.
Which vehicles can be locked in?
Passenger cars, delivery vans, cargo vans, trucks, specialty vehicles, and trailers—depending on the rate plan.
How is the premium calculated?
The premium depends on the number of vehicles, usage, claims ratio, and safety plan.
Can I combine existing individual contracts?
Yes. Our Palatina reviews existing policies and incorporates them into a fleet contract.
What are the advantages of fleet insurance over individual policies?
Fleet insurance reduces administrative burdens and lowers overall costs. It allows for standardized terms and conditions and centralized claims processing for all vehicles.
Does the insurance coverage also apply to trips abroad?
Yes, our Palatina fleet insurance also covers trips within Europe or worldwide, upon request. The scope of coverage can be customized.
What happens when vehicles are replaced within the fleet?
New vehicles can be easily added to the existing policy. Our Palatina policy ensures that your insurance coverage continues without interruption.
Managing Director
Tel. 06233 51190-36
Fax 06233 51190-69
borris.yauschew@palatina-service.com
Tel. 06233 51190-36
Fax 06233 51190-69
borris.yauschew@palatina-service.com
Borris Yauschew
Insurance Agent (IHK)
Position: Senior Advisor, Account Manager for Corporations and Corporate Groups
Phone 06233 51190-37
matthias.schwalm@palatina-service.com
Position: Senior Advisor, Account Manager for Corporations and Corporate Groups
Phone 06233 51190-37
matthias.schwalm@palatina-service.com
Personalized advice. Individualized support.
If you ’re looking for a reliable partner for all your commercial auto fleet insurance needs, Matthias Schwalm is here to provide expert guidance. Together, we’ll analyze your specific needs and develop tailored solutions—transparent, easy to understand, and on equal footing.
Talk to us
At Palatina, we’re committed to providing personalized service—and that starts with your very first contact. Whether you have a specific inquiry or would simply like to learn more with no obligation, we’ll take the time to address your needs and work with you to find the best way to move forward.