Insurance to protect your drivers and fleet
Fleet insurance typically makes up 10% to 15% of a fleet's total cost of ownership. To optimise fleet insurance costs, Ayvens offers a distinctive approach: 3D Coverage. This service integrates fleet insurance into fleet management, providing competitive cover, active prevention, and easier fleet management benefits. It addresses both upfront costs and hidden costs from accidents and process inefficiencies. 3D Coverage helps drive down your total cost of ownership on three fronts.
Competitive cover is the first dimension of fleet insurance and can be tailored to your needs. Companies can choose from various risk structures and coverage options that match their risk tolerance, including several supplementary covers designed to maximise fleet cost predictability.
Active prevention is the second pillar of 3D coverage. With Ayvens' help, we set up programmes to make accidents happen less often, up to 30% less. The good things about this are easy to see: drivers are safer, insurance costs go down, and your business runs smoother. Safer driving even saves money on fuel and cuts down on CO2 emissions. Our programmes come with reports and smart tools that help you lower the number of accidents. You can check out our 5-step plan to make safety better and reduce damage
The third pillar is easier fleet management. Ayvens uses its many years of experience in fleet insurance and fleet management to make fleet-related tasks easier. With a one-stop approach for both drivers and fleet managers, which can save up to 250 EUR per vehicle each year. Ayvens takes care of things like issuing policies, renewing them, and ending them according to the leasing agreement. If there's an accident, we make sure it's dealt with quickly, so it doesn't cause too much trouble. Fleet managers don't have to juggle between the leasing company and the insurance company and drivers get good care and support from Ayvens.
Comprehensive driver insurance
At Ayvens, we recognise that accidents can happen and that’s why we offer insurance to provide an additional layer of protection. Ayvens insurance offers a full range of insurance options for passenger cars and commercial vehicles.
- Obligatory and Voluntary Third party liability
Covers the legal liability for third part property damage, bodily injury or death caused by the insured driver arising from the use of the insured vehicle.
- Driver and Passenger insurance
Provides a benefit in the event of death or bodily injury to the driver and/or passengers of an insured vehicle.
- Own damage
Also known as CASCO, covers accidental loss or damage of motor vehicle. Including damage by fire, theft or broken glass. It also convers loss or damage to parts and/or accessories and includes recovery from Third Parties when not at fault.
- Catastrophic events
Provides cover in the event of a loss involving two or more vehicles caused by an insured event such as flood, fire, hurricane, landslide, earthquake and tornado.
- Roadside assistance
In the event of a breakdown or accident, roadside assistance is covered. If the vehicle is not roadworthy, it also covers vehicle towing costs.
These are the most common vehicle insurances but Ayvens also specialises in specific ancillary cover for fleet owners. Get in contact with Ayvens to find out more.
Insurance conditions*
Insurance conditions
Insurance conditions Ingo Ukraine:
Insurance conditions Ukrainian Insurance Group:
Additional information on the insurance conditions and the main reasons for refusal**:
Military risks coverage's common conditions
Events, resulting in the partial damage to the insured motor vehicle or its parts as a result of war/combat operations, use of weapons are recognized as an insured event under the AUTOCASCO:
- falling of foreign objects (regardless of the reasons for their falling and origin) of defense and special military purpose on the insured vehicle;
- the destructive effect of shock (sound) waves on the insured vehicle;
- damage to the insured motor vehicle by fire or heat, if the vehicle was placed in the immediate vicinity of the fire that occurred as a result of military operations;
- hitting or colliding with military equipment.
Events that are not considered as an insured event if:
- the damage to the insured vehicle was caused by a weapon of mass destruction (including, but not exclusively, as a result of the use of nuclear, biological, chemical weapons);
- the insured vehicle is used for the needs of the Armed Forces of Ukraine, including the Territorial Defense Forces or volunteer organizations;
- the event occurred outside the territory of insurance coverage
**The territory of insurance coverage of military risks **extends to the territory of Ukraine, with the exception of the following regions:
- Donetsk, Luhansk, Kherson, Mykolaiv, Zaporizhzhya, Dnipropetrovsk (excluding Dnipro city), Kharkiv regions, Autonomous Republic of Crimea;
- a distance of 150 km from the line of hostilities;
- 20 km zone deep into Ukraine along the border with the russian federation, the republic of belarus and the Republic of Moldova.
On the date of the event, the list of regions is updated/changed in the event of a change in the list of high-risk regions and the spread of hostilities to other regions of Ukraine. In order to receive insurance compensation, it is mandatory to provide a certificate from the competent authorities confirming the fact of the occurrence of the event and its circumstances.
~*under the insurance conditions this section contains information on the insurance rules, extracts from insurance agreements on insurance exclusions and main reasons for refusal of the insurance indemnity and recommendations to drivers on how to act in case of insurance event occurrence.
**extracts from insurance contracts. Under the terms of the confidentiality in contracts signed by the ALD with insurance companies, the ALD does not have the ability to post on the website full text of the insurance contracts. However, for maximum transparency and providing our customers with full insurance information, the site provides extracts from insurance contracts, which indicate the main insurance conditions and other important information about the terms of insurance.~