MTPL and casco in a fleet frame, with a single renewal date and premiums shaped by your claims record. I forward the notifications for cars joining and leaving, and if you let me know before the renewal date, I re-run the market at renewal – once I have the data, I request quotes; whether to quote is the insurers' decision.
🎮 Fleet Shift – all damage comes out of the shared fleet budget
Every vehicle in one frame: transparent premiums, competed at the same time – not twenty policies with twenty dates.
Fleet premiums move with the loss ratio. With a good record we request quotes from a strong position; with a worsening one we plan in time.
Purchase, swap, disposal: I administer the reported changes so that cover stays continuous – for this, you need to let me know about the change in good time.
20 minutes by phone or video: your situation, your goals, your budget. Free of charge, with no obligation.
I collect offers from the relevant insurers and hand them over in a single, easy-to-read table – strengths and weaknesses included.
You decide, I handle the paperwork. If you have a question later or your situation changes, let me know – and when a claim comes, I help you get started.
From when can a company's vehicle fleet be treated as a fleet? The threshold depends on the rules and the insurer, typically just a few vehicles are enough.
Read more →Your fleet premium isn't a mystery: it's mostly driven by the ratio of paid claims to premiums received. What does the insurer look for, and how can you manage it?
Read more →The fastest route for claim notification is always the insurer's claims line, online portal or fleet portal. What to prepare, what to expect, and how to track your case.
Read more →Fleet casco isn't a compulsory companion to fleet MTPL: it's decided vehicle group by vehicle group, and for financed vehicles the lender's requirement governs.
Read more →In the long run, nothing lowers your fleet premium more than the company's own driver rules: a one-page policy, a claims routine, consequences – motivating, not punitive.
Read more →A fleet is alive: it buys, sells, swaps. The process for adding and removing vehicles – notification, dates, pro-rata premiums – so there is no uncovered day or wasted cost.
Read more →Under the statutory MTPL rules, a fleet means at least five vehicles (as defined by the Gfbt., Hungary's compulsory motor liability insurance act: the same registered keeper/policyholder, with a single insurer, as of the start date of the insurance period) – individual insurers may apply a different, so-called small-fleet commercial practice below that threshold.
The loss ratio (the fleet’s claims against premium), the composition, mileage and usage profile. With a good record, a real discount can be negotiated.
That is what the frame is for: we report the change, the premium adjusts pro rata, and as long as the report is made in good time, cover remains continuous. I handle the administration.
Yes: MTPL and casco fleets can be managed together, with a shared renewal date – the claims record is a pricing factor here too, and putting the two in competition together often gives a stronger negotiating position; it's worth checking this fleet by fleet.
Over the medium term, improving the loss ratio is one of the strongest levers: claims-statistics reports, recommendations (e.g. deductible tuning, prevention) – this is an argument at the renewal negotiation too, though several factors affect the premium together.
More aids – checklists and guides – on the Resources page.
Dani the fleet manager says order is half the discount – Pajzsi covers the rest.
As an independent broker I make insurers compete for you – not the other way round. My advice costs you nothing.
flotta.biz is the information and quote-request page of Emánuel Dávid Tukacs, independent insurance broker. As a broker I act on the client's behalf: I compare offers from several insurers, and the decision always rests with the client. My advice is free of charge to the client – the brokerage remuneration is paid by the insurer.
