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Fleet insurance

Protect all your company vehicles with a single policy  –  flexible, easy to manage, and with fast assistance in the event of a claim.

  • Customized coverage: a single policy tailored to your fleet

  • Immediate assistance in the event of a claim: fast support – including a replacement vehicle

  • Early risk detection: free risk and loss analysis included

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Fleet insurance: services and additional coverages

Cross Liability or Cross Liability PLUS:

Covers damage if two of your fleet vehicles collide while on public roads. Cross Liability PLUS also protects you if your fleet vehicles collide with each other on your company premises, at customer sites, or on construction sites.

Work-Related Risk

Covers damage that occurs when your vehicle is used for work-related tasks.

Parking Damage or Parking Damage PLUS:

Covers damage to a parked vehicle caused by unknown motor vehicles or persons – up to a maximum of CHF 1,000. Parking Damage PLUS additionally covers damage to a parked vehicle caused by unknown motor vehicles or persons – up to the vehicle’s current market value.

Glass Damage PLUS:

In addition to standard glass damage coverage, this policy covers all breakage damage to vehicle parts made of glass or glass substitutes. It also covers light bulbs that are destroyed as a result of glass breakage.

Personal Belongings

Covers your personal and professional belongings that you carry in your car—in the event of theft from a locked vehicle or if they are damaged due to vehicle damage.

Cyber Attack

Provides financial protection if the vehicle’s software is damaged or destroyed by a hacker attack. Zurich covers the restoration costs.

Help Point or Help Point PLUS

At our Zurich Help Points, we inspect vehicles up to 3.5 tons throughout Switzerland. We organize repairs for you and, if necessary, a replacement vehicle. With the Help Point PLUS option, you agree to always report claims to Zurich first. In return, you benefit from a discounted insurance premium.

Battery PLUS

The insurance coverage includes operational errors, exceptional loss of capacity, and deep discharge of your vehicle battery.

Charging Card and App Protection

Reimburses costs if your charging card or charging app is lost or misused.

Charging Station and Accessories Coverage

Covers charging stations and accessories if they belong to the policyholder—at home, in the office, at a vacation home, or on the road.

Items Carried in Vehicle

Personal items in the vehicle are covered if they are damaged or destroyed due to damage to the car.

Business Trip Vehicle Insurance

Protects your employees when they are on the road for the company using their personal vehicles. Special solutions are available for the automotive industry, government agencies, and transportation companies.

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Coverages

Main coverages

  • Motor vehicle liability insurance: Provides up to CHF 100 million in insurance coverage for property damage and personal injury to third parties. In addition, Zurich waives the right to reclaim the costs of damage caused by gross negligence from you as standard (exception: alcohol, unfitness to drive, speeding, reckless overtaking, participation in unauthorized motor vehicle races).
  • Collision coverage: Covers damage to your own vehicles as a result of sudden external impact, such as collision, overturning, or sinking.
  • Comprehensive (partial) coverage: Covers your vehicles against theft, glass breakage, damage caused by martens, collision with animals, vandalism, fire, and natural hazards such as hail, storm, rockfall, avalanches, flooding, etc.
  • Passenger accident coverage: Choose the protection you and your passengers need and supplement your accident insurance benefits.
  • Assistance insurance: Choose breakdown service with Swiss or European coverage for your vehicles. 

Additional coverage

You can optionally choose individual additional coverage that suits your fleet:

Additional coverage

  • Cross Liability or Cross Liability PLUS: Covers damage if two of your fleet vehicles collide in public traffic. Cross Liability PLUS provides additional protection if your fleet vehicles collide with each other on your company premises, at customer sites, or on construction sites.
  • Work-related use coverage: Insures damage that occurs when your vehicle is used for work tasks.

Additional coverages

  • Comprehensive Parking Damage or Parking Damage PLUS: Covers damage to parked vehicles caused by unknown motor vehicles or persons – up to a maximum of CHF 1,000. Parking Damage PLUS additionally covers damage to parked vehicles caused by unknown motor vehicles or persons – up to the current value of the vehicle.
  • Glass damage PLUS: In addition to glass damage coverage, all breakage damage to vehicle parts made of glass or glass substitutes is insured. Light bulbs that are destroyed when glass breaks are also insured.
  • Personal effects coverage: Insures your personal and professional belongings that you carry in your car – in the event of theft from a locked car or if they are damaged as a result of insured vehicle damage.
  • Cyber attack: Provides financial protection if the vehicle software is damaged or destroyed by a hacker attack. Zurich covers the restoration costs.
  • Help Point or Help Point PLUS: At our Zurich Help Points throughout Switzerland, we assess vehicles weighing up to 3.5 tons. We organize repairs for you and, if necessary, a replacement vehicle. With the Help Point PLUS option, you decide to always report claims to Zurich first. In return, you benefit from a reduced premium.
  • Battery PLUS: The insurance coverage includes operating errors, unusual capacity loss, and deep discharge of your vehicle battery.
  • Charging card and app protection: Reimburses the costs if your charging card or charging app is lost or misused.
  • Charging station and accessories protection: The charging station and accessories are insured if they belong to the policyholder – at home, in the office, in the vacation home, or on the road.
  • Carried items: Personal items in the vehicle are insured if they are damaged or destroyed as a result of damage to the car.

Extended coverage

If necessary, you can also extend your coverage for business trips:

  • Business trip insurance: Protects your employees when they are traveling for the company in their private vehicles. Special solutions are available for the automotive industry, public authorities, and transport companies.

Information and frequently asked questions

Services

Comprehensive insurance coverage:

  • Insurance for all vehicles: With five or more license plates, all vehicles, including company cars, vans, trucks, forklifts, excavators, and snow plows, can be insured under one policy.
  • Flexibility: You can put together your own insurance package from a range of modules to ensure that the cover is optimally tailored to your fleet.
  • Gross negligence covered: Zurich will not reclaim the costs of any damage caused by gross negligence (exceptions: alcohol, unfitness to drive, speeding, reckless overtaking, participation in unauthorized motor vehicle races).

Less effort

  • Simple administrative process: A central contract for all vehicles saves time and reduces administrative effort.
  • Less paperwork: You can concentrate fully on your business.

24/7 claims service

  • 24/7 claims service: We are available around the clock and there for you.
  • Help Point network: Around 30 Help Points and numerous partner garages throughout Switzerland ensure fast assistance and uncomplicated repairs.
  • Repair organization: On request, we can organize repairs and, where possible, a replacement for your vehicle so that you remain mobile.

Prevention

  • Free damage analysis: You receive a detailed analysis of your damage patterns to identify weak points and prevent future damage.
  • Prevention coaching: Safety training for your employees.
  • Driving school & driver training (subject to a fee): Practical training for greater safety and efficiency, e.g., braking and evasive maneuvers, defensive driving, economical driving, etc. High-quality offers from external partners at special rates.

What is fleet insurance?

Fleet insurance offers companies the option of insuring multiple vehicles under a single policy. This simplifies administration and saves time.

What makes Zurich fleet insurance special?

Our fleet insurance offers you maximum flexibility and adapts precisely to your needs. Thanks to its modular structure, you can customize your insurance coverage.

Administration is also straightforward: you receive a single invoice for the entire contract and decide for yourself how often you want policy adjustment statements.

What are the advantages of fleet insurance compared to individual insurance policies?

Fleet insurance offers you clear advantages over individual insurance policies:

  • Simpler administration: All vehicles are covered by a single policy.
  • Comprehensive protection: Tailor-made coverage for your entire fleet.
  • Additional services: Support with claims management and offers for damage prevention.

This saves you time, reduces effort, and provides optimal protection for your vehicles. 

Does fleet insurance also offer protection for international trips?

With your fleet insurance, you are optimally protected – and not only in Switzerland and the Principality of Liechtenstein. The insurance cover also applies in all European countries as well as in the Mediterranean countries and islands.

Important: Assistance insurance is only valid in Switzerland and the Principality of Liechtenstein.

What exactly is cross liability?

The additional coverage "Cross Liability" and "Cross Liability PLUS" covers damage caused by a collision between vehicles in your own fleet. Such own damage is not normally insured. This extension therefore offers you additional protection and greater security for your fleet.

Which vehicles benefit from the Help Point network?

Our Help Point network is ideally equipped for repairs to passenger cars and commercial vehicles with a total weight of up to 3.5 tons. We also support you with our expertise for larger vehicles and will find the right solution for you.

Is it worth including Help Point PLUS?

Help Point PLUS is worthwhile for you if you want particularly simple claims settlement. The prerequisite is that you report every claim to Zurich first. We organize the repair and take care of everything else. And the best part for you: you pay a lower premium because you report the damage to Zurich first and we can organize the repair through our network. 

Do I always have to go through Help Point?

That depends on whether you use Help Point PLUS. With Help Point PLUS, the agreement is to report the claim to Zurich first so that we can organize the repair. If you organize the repair without Zurich, your deductible in the comprehensive insurance will increase. Without Help Point PLUS, you can also organize the repair yourself. 

Is damage analysis only worthwhile for large companies?

Damage analysis is worthwhile for companies of all sizes – including small and medium-sized businesses. We analyze your damage patterns and show you which factors lead to damage. Together, we develop measures to prevent future damage and minimize your risks.

If you know my risks, will my premium increase?

Don't worry, your premium will not increase if we have a better understanding of your risks. The more precisely we understand your risk structure, the more accurately we can tailor your insurance.

Will I be forced to take preventive measures?

No, you are not obliged to carry out an analysis or take preventive measures.

Nevertheless, we recommend that you take active preventive measures – it's in your own interest. Any claim can disrupt your business operations. Even if fleet insurance covers the direct costs, additional consequences such as vehicle breakdowns, delays, or dissatisfied customers can arise. These can put a strain on your business and cause further costs. Prevention protects your operations and saves you time and money in the long term.