Motor Fleet Insurance
Our flexible motor fleet policy can be tailored to include multiple vehicle classes and mixed cover, depending on your client’s needs.
Who we work with
- Small to medium enterprises that consist of private cars and commercial vehicles up to 7.5 ton GVW
- Fleets of five vehicles and upwards (we may agree to write fewer on a case-by-case basis)
- Drivers of commercial vehicles over the age of 21
- Private car drivers over the age of 25
- Good proven no claims experience
We are unable to write policies for:
- Carriage of goods for hire
- Hazardous goods
- Waste industry
- Self-drive hire
What our Motor Fleet policy covers
- Third-party liability and property damage up to £20m
- Damage or loss caused by accidental damage, malicious damage and vandalism, fire, self-ignition, lightning or explosion, and theft or attempted theft
- Audio and satellite equipment up to £750
- Replacement locks up to £1000
- Medical expenses up to £500 for each person injured while driving
- Personal belongings up to £250
Extensions
- Extended foreign cover is available (see policy document for more details)
Additional benefits of the Motor Fleet policy
Dash camera exemption
Policyholders can have up to £250 of the excess waived if they provide dash cam evidence of the accident within 48 hours.
New vehicle replacement
When repairs exceed 50% of the market value, we will replace the vehicle with a model of the same specification.
Unlimited glass cover
Unlimited glass and windscreen cover through our approved replacement service.
Flexible coverage
Our policies can include multiple vehicle classes and mixed coverage options.
Benefits of the KGM service
Direct access to underwriters
At KGM, our broker-partners get direct access to our expert motor insurance underwriters. We take the time to get to know you and use our specialist knowledge to tailor our products to fit your client’s needs – making it quick and simple to find the best deal for your clients.
Operational efficiency
With no lengthy proposal forms to go through, our underwriters make the decisions themselves in real-time. We give our broker-partners a fast turnaround of quotes and documentation, making the process as fast and as smooth as possible.
Customisable products
All our products are designed to be flexible. We consider your client’s needs and experience to create a unique policy that is tailored to them. Designed and underwritten by specialist motor insurance experts.
No nonsense specialist motor insurance
KGM has the expertise to get your client the cover they need, fast.
A+ rated specialist motor insurance
We have an A+ rated capacity through our provider, Zurich, with a primary line of £130 million.