When your company uses vehicles on public roads, you are legally required to take out a motor vehicle third party liability (TPL) insurance. This insurance protects your business against the financial consequences of damage your vehicle may cause to others.
A traffic accident can result in significant costs: damage to other vehicles, property damage, or physical injuries to those involved. With TPL car insurance for company vehicles, you are legally compliant and prevent your business from having to bear these costs itself.
A third-party liability car insurance for company vehicles is the legally required car insurance for vehicles driving on public roads.
This insurance covers material damage and physical injuries suffered by third parties in an accident for which your vehicle is liable. "Third parties" include, among others:
Important to know: the car insurance does not cover damage to your own vehicle or the injuries of the driver. For these risks, you can take out additional coverage such as comprehensive insurance or driver insurance.
Covers the material damage your company vehicle causes to third parties.
Covers the medical expenses and injuries of victims in an accident, with the exception of the driver.
Covers your company's financial liability in case of traffic incidents.
Covers damage to third parties caused by a vehicle driven by your drivers or employees.
A third-party liability car insurance for company vehicles is mandatory for every business that uses vehicles on public roads.
This insurance is relevant for, among others:
Whether you have a single company vehicle or manage an entire fleet, having a proper third-party liability car insurance is always the foundation of your mobility insurance.
The premium for a third-party liability (TPL) car insurance for commercial vehicles is determined based on various factors, such as:
Companies with multiple vehicles often opt for a fleet insurance, where all vehicles are insured under a single policy. This simplifies management and can be financially advantageous.
An insurance broker will analyze your fleet from an insurance perspective and compare different insurers to find the most suitable solution.
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