A good deal of the disappointment around fleet insurance doesn't come from a bad product, but from poorly understood boundaries: we assumed something was included – and it wasn't. This article is the cover map: what MTPL gives you, what casco gives you, what the add-ons give you, and what belongs to other types of insurance.
- MTPL covers damage caused to others – never damage to your own vehicle.
- Casco covers damage to your own vehicle, subject to the exclusions and deductible set out in the terms.
- Add-ons (assistance, a legal protection element, a replacement car) close the gaps – their content varies from quote to quote.
- Cargo, the driver's accident protection and property at your premises belong to other products – it's worth managing that boundary deliberately.
What MTPL gives you
Compulsory motor third-party liability insurance is for damage caused to others through the operation of the vehicle: the innocent party's vehicle, property or injury. MTPL never compensates damage to your own vehicle – this is the most common misunderstanding. The scope of cover is set out in law, and from this point of view the injured party enjoys strong protection.
What casco gives you – and where it excludes
Casco covers damage to your own vehicles: collision, theft, natural hazards, glass damage – according to the level chosen. The boundaries here are set by the terms: exclusions and grounds for exemption (drink-driving, driving without a licence and gross negligence are typically grounds for exemption), the deductible, and territorial scope. When comparing quotes, the list of exclusions is at least as important as the premium – the quick guide to reading a quote helps with that.
The band of add-ons
Assistance (roadside help, transport), the replacement car element, the legal protection element and luggage cover close the gaps between the two main layers. Their content differs materially by insurer and by package – for example, in how much towing distance or how many days of replacement car they give. For the full picture: add-ons for fleets.
What belongs elsewhere
Three typical border areas. Cargo is not the vehicle: goods-in-transit insurance is for that – the cargo article draws that line. The driver's accident protection is not MTPL's job: group accident insurance is for that. The question of vehicles parked at your premises and property at your premises is covered by the premises article and by vagyon.biz. A good portfolio comes together when these boundaries are handled deliberately – that's what the portfolio article is about.
How to use this map
The cover map is only worth something once it turns into a decision. The practical route: take the vehicle list and ask the three questions category by category – what happens if this vehicle damages someone else (MTPL ✓), if it's damaged or stolen (a casco decision), and if it breaks down on the road (add-ons)? Wherever the answer is uncertain, there's a gap. The border areas deserve particular attention: does the company transport goods (a cargo question), do drivers cover high mileage (accident protection), do valuable vehicles stand at the premises overnight (a property question). We call this search for gaps a review – its basics can be talked through in twenty minutes, free of charge.
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