2 year contract- provides stability in the currently volatile insurance climate
Risk Management Support - We employ Claims Liaison Managers (CLMs) who are specialists in risk management strategies and experienced in claims handling. Our CLMs will work with you to analyse your telematics data to highlight areas of high risk and pull together a targeted risk management strategy. Our CLMs will work alongside you with the aim to meet your claims performance targets in order to reduce your second year premium.
2 year claims performance based deal - depending on your first year claims performance you could gain significant second year premium savings.
Enhanced profit share - the better your claims performance the bigger your rebate.
2 year capped premium increases - unfortunately sometimes the unavoidable big claim occurs, Fleetcare+ protects you from otherwise destructive premium increases.
Extended 12 month new vehicle indemnity - if you write off your vehicle when it is up to 12 months old, we'll replace it with a brand new one.
Goods in transit insurance - all risks, RHA or CMR conditions of carriage options
Public liability with a choice of limits of indemnity
Employers' liability with a £10 million limit of indemnity
Business property - for your buildings and/or contents of your business premises
Legal expenses - up to £100,000 cover for legal costs incurred following a motor related incident with a negligent third party and up to £10,000 for legal costs incurred for motoring convictions
Engineering - for unforeseen damage including breakdown for commercial vehicle mounted cranes, grabs, etc. and statutory inspection
Income protection in the event of personal accident, sickness or loss of licence
Breakdown recovery in the UK for vehicles up to 15 years old
Business Interruption Insurance.
Please view our recommended telematics partners
Prefer to spread the cost of your policy?
Paying by direct debit is an affordable and convenient way to pay for your policy. Through our preferred provider, Premium Credit Limited (PCL)*, you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments.
To find out more about PCL and direct debit payments, select Direct Debit.
*To understand more about how PCL work together with Towergate, please read our Regulatory Information.
Motor - claims for liability that you have assumed in contract unless you would have incurred the same liability without entering into the contract
Motor - theft if keys left in or on the vehicle
Goods in transit - theft of property from unattended vehicles unless the vehicle is in a locked building or compound controlled by security personnel
Income protection - cover is subject to a declaration of health and may be offered excluding any illness or injury that existed on the date of entry into the scheme or at each renewal
Income protection - loss of licence must occur within 2 years of sickness or injury for the benefit to become payable
These are just some of the key exclusions/limitations, full details will be found in policy wordings.
At Towergate we believe in being proactive when it comes to your claims management, getting your insurer involved as soon as possible to reduce the time it takes until settlement, ensuring you are back on the road as quickly as possible and keeping claims costs down. In fact, the first two days following an incident are critical in the handling of your claim.
It is important to report all incidents to your insurers, including cases where there is little or no damage to your vehicle. This will help your insurance company to defend you against claims made by a third party. While all incidents should be reported directly to your insurer, our in house team are always on hand should you need additional support or if you have concerns about the claims process.
To report an incident at any time, day or night, please call your insurer directly using the telephone number shown on your claims card. Your claims card should be kept in your vehicle at all times so you are able to report incidents as quickly as possible.
Your insurer will correspond with you directly with the progress of your claim and they will keep us updated at all times.
The system needs to be one from our recommended partners who have been chosen for their system capabilities and high levels of customer service. Your system will need to provide driver behaviour data so that targeted risk management strategies can be produced.
You need to install an approved system into 50% of your fleet within 3 months of the start date of your Fleetcare+ policy
It's not necessary, as long as you can allocate a single driver to a particular vehicle. Although it is highly recommended.
In the contract policyholders must agree to allow both Towergate and the Insurer to view the relevant risk management telematics data.
As part of Towergate's service, we will provide you with your own dedicated Claims Liaison Manager (CLM). They will help you manage risk, analysing claims experience and telematics data, and implementing appropriate risk management programmes.
Your CLM will make contact with you twice a year as a minimum requirement.
Driver training - to compliment a driver training programme by measuring risk and hazard awareness of your drivers to highlight which drivers need further training. League tables can also be created to help motivate your drivers.
Accident recording cameras - your indisputable witness in the case of an accident
Driver profiling - to help ascertain which drivers are performing best and which drivers need further training. League tables can also be created to help motivate your drivers.
Health and safety consultancy - to identify and counteract risks to your business as well as assuring you are up to date on the latest health and safety legislation affecting your business.
Fleet management consultancy - to review and suggest ways to get maximum efficiency out of your fleet and control running costs.
Many other risk management tools are available.
If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.