How does coverage work in case of an accident involving an employee?
Coverage is associated with the vehicles, not a person. If an employee has an accident with the company vehicle while working, they are covered.
What are the criteria for determining the cost of insurance?
Insurers consider the type of vehicle, professional use, driver profiles, and claims history.
Can I insure multiple vehicles under a single policy?
Yes, many insurers offer fleet insurance policies, often with premium discounts.
What are common exclusions in a commercial vehicle insurance policy?
They generally exclude intentional acts, damages caused by unauthorized use, normal wear and tear, and mechanical breakdowns.
How long does it take to process a claim?
It can take from a few days to several weeks, depending on the complexity of the claim.
Can I add or remove vehicles from my fleet policy at any time?
Yes, most insurers allow these adjustments with a corresponding premium adjustment.