Who are InSync?
Insync Insurance* are an insurance broker we partner with to help customers access protection that AXA doesn’t currently offer. They specialise in businesses like yours and work with a range of insurers to help find the right cover for you.
What is mini-fleet insurance?
Mini-fleet insurance allows small to medium-sized businesses with three or more vehicles to insure them under a single policy. It removes the need for separate renewals and administration for each vehicle, offering a simple solution that can include cover for cars, vans, or other vehicle types such as agricultural vehicles, large goods carrying vehicles, special types vehicles and trailers.
Designed for small and growing businesses, it helps you stay protected against accidents, theft, and damage while keeping your operations running smoothly.
Who does mini-fleet insurance cover?
Mini-fleet cover usually offers flexible options for who can drive your vehicles, meaning you don’t need to update your policy every time someone else drives one of your vehicles.
However, you should always check this with your insurer as restrictions may sometimes apply e.g. if you have high-value or high-performance cars or larger commercial vehicles up to 44 ton gross weight.
What does mini-fleet insurance cover?
With a mini-fleet insurance policy, you can usually choose between different levels of cover for each of your vehicles, depending upon what you need:
Comprehensive – The widest cover available, and typically includes cover against loss or damage to your own vehicles following an accident, but also if they are stolen or damage in other ways e.g. have a damaged windscreen which needs to be replaced. In addition it also includes cover against your legal liability for third-party damage and/or injury. Please note that cover varies between providers.
Third party, fire and theft – Includes third-party cover plus protection for your vehicles if they’re stolen or damaged by fire.
Third party only – The minimum legal requirement for road use, covering your legal liability to third parties.
Many mini fleet policies will include cover for t personal accident to the driver and/or passengers, personal effects kept in the vehicle and driving abroad. Other benefits include new for old vehicle replacement, breakdown recovery and uninsured loss recovery cover.
Cover can vary from one insurer to another, so make sure to read through all of your policy documents to make sure you understand what you will be covered for in the event you may need to make a claim.
Frequently asked questions
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