Motor Fleet Insurance
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Motor Fleet Insurance — Tailored Cover for Multi‑Vehicle Businesses
Businesses that operate multiple vehicles benefit from a fleet insurance program that consolidates cover, simplifies renewals and provides consistent terms across vehicles. Bracesure specialises in designing motor fleet programs for trades, logistics, retail, service providers and specialist operators across Australia.
Who should consider fleet cover
- Small to medium enterprises with multiple vehicles (10+ vehicles commonly)
- Transport, delivery and courier businesses
- Trades with multiple service vehicles (plumbing, electrical, HVAC)
- Waste, skip‑bin and plant contractors operating mixed fleets
- Hire fleets and rental operators
Core features of fleet insurance
A fleet policy covers multiple vehicles under one master policy — vehicles are listed on a schedule with specified values and uses.
Full comprehensive, third party fire & theft, or third party property damage depending on risk and budget.
Agreed value fixes a replacement amount for vehicles; market value determines payout at time of loss.
Flexible excess structures per vehicle or driver to manage premium vs out‑of‑pocket exposure.
Insurers increasingly offer discounts or favourable terms for fleets using telematics that monitor driving behaviour.
Optional extensions to reduce downtime after incidents.
For vehicles earning revenue, cover can replace income lost while repaired.
Underwriting & pricing factors
- Fleet composition: vehicle types, ages, and values
- Use profile: local service, interstate haulage, hire & reward
- Driver pool: ages, licences, claims and driving history
- Security & maintenance: garaging, locks, servicing records
- Claims history and loss runs: past incidents influence renewal terms
How Bracesure builds fleet programs
Discovery:
We assess fleet size, vehicle types, driver management, contracts and operational patterns.
Market approach:
We seek options from our insurer panel — balancing price, agreed values, excess structures and extensions.
Program design:
We recommend a structure (single fleet policy or a hybrid of master policy + individual vehicle endorsements) and negotiate terms.
Implementation:
We place cover, issue certificates of currency and set renewal calendars.
Ongoing management:
Annual reviews, mid‑term additions/removals and claims advocacy to keep your fleet protected and costs controlled.
Risk management to reduce premiums
- Driver training and licence verification
- Telematics installation and active fleet monitoring
- Scheduled maintenance and service logs
- Enforced load and use policies and clear driver procedures
- Centralised incident reporting and post‑incident reviews
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Frequently asked questions (FAQs)
Fleet insurance is a single policy covering multiple business vehicles, streamlining administration and often offering cost benefits.
Definitions vary; many insurers treat 10+ vehicles as a fleet, but some offer fleet options for smaller groups.
Agreed value sets the vehicle replacement amount in advance, avoiding market‑value disputes on total loss.
Yes — many insurers offer discounts or improved terms when telematics shows good driver behaviour.
Some policies can include hired vehicles; check policy terms and consider hire & reward endorsements where needed.
Excesses can be standard or varied per vehicle/driver; Bracesure negotiates structures suitable for your risk appetite.
Small fleets: 24–48 hours. Larger or specialised fleets: typically 48–72 hours.
Yes — we assist with claims management, evidence collation and insurer negotiation to minimise downtime.