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Fleet Insurance — Insure Your Vehicle Fleet Centrally | Hörz & Haapamäki | Hörz & Haapamäki — Das Versicherungshaus

Fleet Insurance

10 Vehicles, 10 Policies, 10 Cancellation Dates — There's a Better Way

From 3 vehicles onwards, a fleet insurance policy saves you time and money: one contract, better terms, centralised management. Less effort, more clarity.

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One Policy for Your Entire Vehicle Fleet

From three company vehicles onwards, a fleet insurance policy is worthwhile. We bundle all vehicles into one contract with uniform conditions and often significantly lower premiums than individual policies. Including flexible addition and removal of vehicles.

Typical Challenges

High Individual Premiums

Individual policies are more expensive than fleet rates — especially for young drivers.

Administrative Burden

Dozens of contracts with different terms and insurers.

Accumulation of Claims

Multiple claims in one year can ruin the no-claims classes of individual vehicles.

New Vehicles

Every new vehicle requires its own eVB — with fleets, this happens automatically.

Benefits of Fleet Insurance

Volume Discount

Significantly lower premiums than individual policies.

Central Administration

One policy, one contact person, one invoice for all vehicles.

Flexible Changes

Vehicles can be added or removed at any time.

Claims History

Claims are spread across the entire fleet — no risk of premium step-back.

No-Claims Discounts

Favorable terms through bundled claims management and reduced administrative effort.

Flexible Vehicle Management

Add or remove new vehicles at any time — without taking out a new policy.

Which businesses is this for?

Trades & Crafts

Vans, flatbed trucks, and cars for technicians.

Field Sales

Car fleet for sales representatives.

Logistics

Trucks, Sprinters, and light commercial vehicles.

Care Services

Multiple small cars for home visits.

What is covered?

Versichert

Motor vehicle liability insurance for all fleet vehicles
Partial and comprehensive coverage with uniform conditions
GAP coverage for leased vehicles
Passenger accident insurance
Automatic coverage for new vehicles
Master policy with special conditions from 3 vehicles
No-claims discount on a fleet basis
24h breakdown assistance and roadside protection

Nicht versichert

Private use by employees (without agreement)
Races and competitive driving
Intentionally caused damages
Damages on non-public premises (without add-on)
Cargo and transported goods (→ Transport Insurance)
Vehicles without a valid safety inspection

How We Insure Your Fleet

Fleet Data

Vehicle list with manufacturer/type codes (HSN/TSN), year of manufacture, and type of use.

Analysis

Claims history for the past 3 years, driver pool, and area of operation.

Fleet Quote

Direct comparison of specialist fleet insurers.

Transition

All vehicles are transferred to the fleet policy on the agreed effective date.

Frequently Asked Questions

Fleet insurance is possible from 3 vehicles and is generally cheaper than individual policies. From 10 vehicles onwards, the discounts become particularly attractive.

Yes, through a staff scheme, employees' private vehicles can also benefit from fleet rates.

For leased vehicles, GAP coverage is recommended — it covers the difference between the current market value and the remaining lease value.

As a rule, a fleet policy is worthwhile from 3–5 vehicles. Savings compared to individual policies are typically 15–30%, with the added benefit of simplified administration.

Yes, in the case of company car agreements. Purely private vehicles belonging to employees cannot be included in the fleet policy, but we offer employee framework agreements with group rates.

Request Consultation

Free and non-binding — we will get back to you within 24 hours.

Insure Your Fleet Optimally

We create a tailored fleet quote for your vehicle fleet.

Request Fleet Quote 0711 · 2172 3240