Updated on Oct 01, 2024
In the professional fleet market, MMA Entreprise is focusing its development on Transport For Own Account activities, excluding :
You have 2 ranges of motor products to meet the needs of your professional customers :
A single contract to cover all your company's vehicles.
The delegated Auto Fleet product enables you to offer your customers an insurance solution for their company fleet of 5 to 39 vehicles - private cars, light commercial vehicles, lorries and machinery - representing over 95% of the market.
This offer covers motor third-party liability and vehicle damage risks.
A comprehensive range of cover :
1. For you:
The Fleet Portal, a quick and easy subscription tool, with the fleet imported into the contract by querying the SIV with the customer's Siret number or vehicle registrations.
2. For the company manager :
- A single contract for all the company's vehicles, from 5 to 39 engines, whatever their category1.
- A single expiry date and an overall premium: an identical rate regardless of the number of kilometres travelled or the use of the vehicle (business or private).
3. For employees
- 1 million in the event of bodily injury to the driver, + an advance of €3050 for emergency expenses.
- Extended cover in the event of damage to the vehicle: for example, theft by mouse jacking² insured.
- Access to a vast network of approved repairers: advance payment of expenses, free replacement vehicle while the damaged vehicle is immobilised.
- The possibility of a 50% discount on the insurance of the manager's vehicle.
- Extension of road liability cover to include liability for vehicles used at work, for vehicles used as accessory tools.
1. Private vehicles, light commercial vehicles, over 3.5 tonnes, motorised 2 and 3-wheelers, site machinery, trailers, etc.
2. A theft technique that does not involve breaking and entering, mouse jacking involves hacking into a vehicle's security system.
3. In addition, there is dedicated cover for nacelles, refrigerated boxes and other cranes, depending on their value for commercial vehicles.
Personal vehicle insurance for employees on mission
MISSION FLEET provides insurance cover for employees, whether sedentary or non-sedentary, driving their personal vehicle on business trips, up to 500,000 km.
The company manager's liability is thus covered and the financial consequences taken care of.
Protection :
1. For you:
On the Fleet Portal, pricing and subscription are completely autonomous.
2. For the employer :
- Legal and financial security: the manager's liability is guaranteed in the event of failure to insure employees. They are protected from the consequences of an accident in the workplace.
- There is no risk of a dispute with an employee if he or she has an accident with his or her own vehicle while on an assignment.
3. For employees :
- The premium on their personal policy will not be increased by the addition of professional use: there is no need to take out professional use on the personal policy.
- In the event of a claim, the bonus-malus coefficient of the employee's personal policy will not be affected.
- If the employer takes out Damage cover, employees are covered during their missions, even if their personal policy does not include Damage cover.
Pour aller plus loin
Partage d'Experts est un magazine qui aborde une thématique du risque d'entreprise sous plusieurs angles.
