Small Fleet

Serviced via our branch network, our Small Fleet proposition is designed to give businesses of 4-14 vehicles protection for their associated operations, all under one policy.

It can help your clients meet their legal obligations, reduce costs, save time and minimise the risks that come with running a fleet.

Features of Small Fleet

  • third party liability:
    • unlimited indemnity for death or injury
    • indemnity for accidental damage to other persons property:
      • £20,000,000 in respect of private cars
      • £10,000,000 for all other vehicles
  • new for old – cover for private cars or goods carrying vehicles up to 7.5 tonnes, less than one year old and damaged beyond 50% of their list price
  • personal accident – cover for drivers, with £10,000 indemnity per incident
  • accidental misfuelling – cover to drain the fuel tank and rectify any subsequent damage
  • in-vehicle safety technology – up to £250 for equipment such as dash-cams
  • replacement locks – unlimited cover if vehicle keys have been lost or stolen
  • child seat – replacement cover up to £150
  • legal protection – cover up to £100,000 for uninsured loss recovery and motor prosecution defence
  • pay-on-use breakdown – cover through Allianz Global Assistance
  • personal belongings – up to £500 per incident
  • medical expenses – up to £250 per person for anyone injured in the insured vehicle, subject to a maximum of £1,000 per incident.

Risk Appetite

  • established businesses with a minimum of three years confirmed claims experience
  • private car schedules not dominated by high performance vehicles
  • commercial vehicles used for the carriage of own goods
  • fleets that do not change insurer on an annual basis.


  • FREE windscreen repairs with Autoglass
  • FREE access to our dedicated risk management website – with a wealth of guidance and support on fleet and business-related matters
  • Discounts on motor fleet products and services from third party suppliers, including:
    • DriveTech –driver and fleet manager training and support (up to 50% discount)
    • Lightfoot – live driver coaching and fuel saving tool (15% discount)
    • VUE – CCTV in-vehicle camera solutions (up to 30% discount)
    • TRACKER Network UK (Ltd) – discounted products from the UK’s most successful stolen vehicle recovery system (£150 discount on the unit cost of vehicle tracking unit)
  • TALK Legal – free legal and tax advice via a range of telephone helplines.

Documentation for Small Fleet

To download copies of our Small Fleet policy documents, please click the links below:

Claims Features

  • 24/7, 365 days a year claims reporting – flexible and fast reporting options
  • Dedicated commercial motor claim handlers – supported by specialist rehabilitation and fraud investigation teams
  • Access to a cloud platform – allowing video footage or imagery to be uploaded in support of a claim
  • Excess suppression – when a third party is at fault and their insurer is identified, we’ll waive the damage excess
  • Nationwide approved repairer network –with a lifetime guarantee on repairs
  • Free courtesy vehicle – with the option to upgrade to a like-for-like vehicle at preferential rates
  • Vehicle repair tracking – your clients can track the progress of their repair online
  • Mobile repair services  - available for minor repairs, minimising the time a vehicle is off the road.

Contact Details

To find contact information for Motor Fleet, Small Fleet and Self Drive Hire claims, please visit Motor Fleet Claims.

If you'd like further information on this product, or have a question regarding our services, please contact your local Allianz Commercial branch.

Risk Director

If you have a query regarding Risk Director, please complete the 'Contact Us' form found on the website.