3D Coverage - For the bigger fleet insurance picture you need to see things in 3D

Fleet insurance makes up 10%-15% of a fleet’s Total Cost of Ownership. In order to optimise fleet insurance costs, LeasePlan offers a distinctive approach: 3D Coverage. This service fully integrates fleet insurance into fleet management, thereby providing Competitive Cover, Active Prevention and Easier Fleet Management benefits. It addresses upfront costs, but also indirect costs that arise from accidents and hidden costs generated by process inefficiencies. Hence 3D Coverage drives down your TCO on three fronts.

Competitive Cover

Competitive Cover is the first dimension of fleet insurance, and can be tailored to the needs of the customer.  Companies can choose from a large variety of risk structures and covers that suits their risk appetite, including several ancillary covers designed to maximise fleet cost predictability.

Active Prevention

The second dimension of 3D Coverage is Active Prevention. LeasePlan partners with its clients to deploy prevention programmes that can reduce accident frequency by up to 30%. The benefits are clear: improved driver safety, reduced insurance premiums and increased business continuity. Furthermore, safer driving reduces both fuel costs and CO2 emissions.
 
Our prevention programmes are supported by comprehensive reporting and smart technologies, enabling you to decrease the number of accidents. Take a moment to check out our 5-step approach to improving safety and reducing damages. 

Did you know that 21% of car accidents are linked to phone use behind the wheel? We’re committed to helping you drastically improve your drivers’ safety. This is why LeasePlan partnered up with Freeedrive to help prevent distracted driving. The Freeedrive app warns drivers against improper unsafe hand-held phone use, this mobile app encourages safer, more responsible driving habits. It’s a smart way to reduce distractions on the road for your drivers. Plus fleet managers are provided with insight through on-line reporting.

Easier Fleet Management

The third dimension is Easier Fleet Management. LeasePlan has drawn on decades of experience in both fleet insurance and fleet management to optimise fleet-related processes. A one-stop-shop approach for drivers and fleet managers improves efficiency by up to 250 EUR per vehicle per annum. LeasePlan coordinates policy issuance, renewal and termination in accordance with the lease terms and, in case of accidents, the inconvenience is minimised by arranging short approval and repair times. Fleet Managers do not have to triangulate between leasing company and insurance company. Drivers are offered LeasePlan’s high level of care and support.

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Optimised fleet insurance concepts

We offer a range of insurance products for your vehicle fleet:

  • Motor vehicle liability
  • Partially/fully comprehensive
  • GAP compensation
  • Passenger accident insurance
  • Motor vehicle legal costs insurance
  • Driver insurance
  • Fixed-rate premiums based on customer-specific claims histories
  • Premium management
  • Free claims service when insurance is taken out with LeasePlan partners

We also offer you the following alternative risk coverage concepts which include free risk management reports.

Risk Retention - the budget choice

The risk retention scheme is a low-cost alternative to conventional collision insurance for fleets with more than 20 vehicles (up to 3.5 tons) financed by LeasePlan. You have indemnity which is comparable to collision insurance at a considerably lower cost with automatic GAP compensation. It includes the claims service and free risk management reports.

Own Damage Fund - minimising administration

You pay contributions into a fund that is used to pay repair costs in the event of own damage to the vehicles. With the own damage fund service, we handle your own damage claims and provide our claims service to you free of charge.

Risk Retention Plus – the comprehensive choice

With Risk Retention Plus, a vehicle returned at the end of the lease is covered for damage that reduces its value by up to € 2,000. Risk Retention Plus also offers you all the benefits of a risk retention scheme.

Own Damage Fund Plus – minimising overall damage risk

Our extended Own Damage Fund Plus service provides you with cover for diverse top risks. You can prevent own damage from driving up your claims costs by either covering individual risks or defining a total amount of claims expenditure per year which is covered even if you exceed it.

General Terms & Conditions for Motor Vehicle Insurance

In this section we included some of our insurances partner's GTC for your information (only available in German):

Would you like further information about our fleet insurance concepts?

Then call us at +49 (0)2131/ 132200 or request our PDF-format brochure.