One point of contact for insuring all your company vehicles.
You tell us by chat which vehicles you have, we work out what each vehicle needs.
What do you need for your company cars?
Third-party liability is legally required, for every car, van or lorry. It covers the damage you cause to others, and it goes no further than that.
What you take alongside it is your own choice. The main question is whether you also want to insure damage to your own vehicle. For a new van that is usually worth it, for a ten-year-old car often no longer. For machines and working equipment there are separate arrangements.
Then there is the cover you only notice when you need it: legal expenses when there is an argument about fault, breakdown assistance, and cover for the driver themselves, who is not covered by the compulsory policy.
From a real fleet onwards the conversation changes. It is then your claims history that sets the premium, and it becomes worth looking at where those claims come from.
What we work out in that conversation
You tell us which vehicles you have: type, age, who drives them and what they are used for. On that basis we say per vehicle which arrangement makes sense and where extended cover is no longer worth it.
Because we are a broker and not an insurer, we have no policy of our own to sell. We go to the market and explain where the differences lie. With vehicles those differences are mostly in what you pay yourself when there is a claim, in how your claims history counts and in which assistance comes as standard.
If there is a fleet, we also look at your claims figures. Those often show where you can adjust, and that is what brings your premium down over time.
Everything runs through chat and stays in the same conversation. If a vehicle is added, if you sell one or if there is an accident, you pick up the thread where you left it.
How to start
You send a message through the chat on this page.
You answer a few targeted questions about your vehicles. No long questionnaire.
You get a tailored proposal usually within two working days, explaining what is covered, up to what amount, and what is not in the policy.
If you agree, you confirm the proposal.
What a conversation with Ōmata looks like
You do not need to know which policy you are looking for, and there is no form to fill in.
Start your request
Viktor is online
You are talking to an AI assistant. You can ask for a human colleague to take over at any time.
- CustomerWe now have seven cars, each with its own policy. It is no longer manageable.
- ŌmataWith seven vehicles, a fleet policy is almost always simpler and often cheaper. Are they all passenger cars, or are there vans among them?
- CustomerFive passenger cars and two vans with tools on board.
- ŌmataThen we also look at the equipment on board: an ordinary motor policy usually does not cover that. Do the same people always drive the same car, or does that change?
- CustomerIt changes, everyone takes the first free car.
- ŌmataNoted. I will pass this on to our expert, with a comparison between separate policies and a fleet policy. You will hear from us usually within two working days.
Try it yourself
Who this is for
As soon as there is more than one vehicle in the company’s name, this becomes a question about administration and not only about price.
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Businesses with a few company cars
Where renewal dates and insurance certificates drift apart over the year.
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Vans and light commercial vehicles
Different use, different occupants and often a load that should be insured as well.
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Pool cars with changing drivers
Where nobody is the regular driver and the policy has to allow for that.
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Site and service vehicles
Vehicles with equipment on board parked somewhere different every day.
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Growing fleets
Where the premium is becoming one of the larger fixed costs and something can be done about it.
Who this is not for
- Anyone using one car privately and occasionally for work. An ordinary car policy stays the right one. Do tell them you use it for business.
- Anyone working only with employees’ own cars. They insure their own car. Cover does exist for liability when they drive on your business.
- Anyone renting by the day only. With short-term rental the insurance is usually included in the price. Do check the excess.
- Anyone carrying heavy freight for third parties. Carrying goods for hire and reward follows its own regime and its own policies.
What company car insurance covers
Company car insurance is built from the same blocks as an ordinary car policy, but chosen per vehicle and managed together: compulsory third-party liability, optionally comprehensive or partial comprehensive cover, legal expenses, breakdown assistance, and the driver cover that is so often forgotten.
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Third-party liability Legally required: the damage your vehicle causes to others.
The base of every policy.
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Comprehensive or partial comprehensive Damage to your own vehicle.
Choosable per vehicle, so a new car can have full cover and an old van need not.
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Driver cover Your own driver’s injury when they are at fault.
Without this cover they get nothing, and that surprises almost everyone.
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Legal expenses Defence and recovery after an accident, including the argument about who was at fault.
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Assistance Breakdown help, towing and a replacement vehicle.
For a business that runs on wheels, often more important than the premium.
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Changing drivers A fleet policy is usually written on the vehicle rather than one name, so pool cars simply work.
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One renewal date and one overview Vehicles come and go; a fleet policy absorbs that without a new policy each time.
What company car insurance does not cover
Not covered are the load, the equipment in the vehicle and ordinary wear. Nor is driving under the influence, driving without a valid licence, or use you did not declare, such as a vehicle permanently kept abroad.
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The load What you carry is not part of the vehicle.
Goods in transit belong in a transit policy.
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Tools and equipment on board Often limited or excluded, even with comprehensive cover.
For a van full of equipment that is the biggest gap.
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Wear and mechanical failure An engine that gives up is not an accident.
A warranty or a service contract exists for that.
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Driving under the influence or without a licence Third-party cover does pay the victim, but the insurer then recovers from the driver.
Your own damage is not covered.
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Undeclared use A vehicle permanently kept abroad, or a van used for carriage for reward, should be declared.
Just ask
From how many vehicles does a fleet policy pay off?
The rule of thumb most insurers use sits at around five vehicles. Below that, a separate policy per car does just as well; above it, a fleet policy wins on two fronts.
The first is administration. One contract, one renewal date, one overview, and adding or removing a vehicle is a notification rather than a new file. For a business changing two cars a year, that is the biggest advantage.
Your driver at fault gets nothing. Unless you arrange it
Compulsory motor insurance compensates the victims of an accident. That is what “third-party liability” means: it covers the damage you cause to others.
If your own driver is at fault and is injured, they are not a third party but the cause. That policy gives them nothing for their own injury. If they are an employee, occupational accident insurance picks that up, up to the wage ceiling. If you drive yourself as a self-employed director, there is nothing behind it: no compensation for permanent injury, no loss of income, nothing.
Pool cars, vans and equipment on board
A pool car used by twenty people does not fit a policy written on one main driver. A fleet policy is usually written on the vehicle and solves that by itself — but check it, because some policies still impose a minimum age or experience requirement.
Vans bring two questions of their own. The occupants in the back are often employees, and their injuries follow different rules from those of passengers in a car. And the equipment on board — tools, machines, a stock of parts — is limited or not covered at all by an ordinary motor policy.
What determines the price
A figure without your details is a guess. What determines the premium, we can list.
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Number and type of vehicles
Cars, vans and light commercials in one list.
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Claims history
On a fleet the whole burden counts, not each car separately.
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Drivers
Age, experience, and whether drivers are fixed or changing.
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Mileage
How much is driven per year and where.
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Covers
Comprehensive, driver, legal expenses and assistance, per vehicle.
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Excess
What you carry yourself per claim, possibly per vehicle class.
Frequently asked questions
From how many cars is a fleet policy worthwhile?
The rule of thumb sits at around five vehicles, but it depends on the insurer and on your claims history.* The benefit is in two things: one contract and one renewal date instead of separate files, and a premium calculated on the claims burden of the whole rather than per car.
Is my driver covered when they are at fault themselves?
Not by compulsory motor insurance. That compensates victims, and your own driver at fault is not a victim but the cause. If they are an employee this counts as an occupational accident and that policy compensates them up to the wage ceiling. For the director who drives themselves, separate driver cover exists. It costs little and is missing from most fleets.
What about cars everyone uses?
A fleet policy is usually written on the vehicle rather than one main driver, so pool cars simply work. Do check whether there is a minimum age or experience requirement in the conditions; that happens.
Do I need comprehensive cover on a leased car?
With operational leasing the cover is usually in the contract. With finance leasing or a credit purchase the financier almost always requires comprehensive cover. In both cases look at the excess: that is where the difference sits.
What happens to my premium after a claim?
With separate policies each car follows its own no-claims record. With a fleet policy the claims burden of the whole fleet over several years is what counts. One serious claim weighs less there, a run of small ones weighs more.
Are the tools in my van covered?
Usually not, or only to a limited extent, even with comprehensive cover. That is the gap that becomes clearest after a theft: the bodywork is covered, the contents are not. Tell us what is in your vehicles; separate cover exists.
Who is behind Ōmata?
Ōmata Insurance is the AI-first studio of the Induver group and a sister company of Group Induver NV: two companies within the same group, not parent and subsidiary. Ōmata puts you in touch with Group Induver NV, an insurance broker holding FSMA number 016880; that is where the advice and the policy come about. The full identification is set out in the legal notices.
About Ōmata
Ōmata is the AI-first insurance studio of Group Induver. You tell us what you want to insure over chat; usually within two working days you receive a proposal, drawn up by an insurance broker at Group Induver NV, registered with the FSMA under number 016880.
Ready to start?
Send us a message and tell us briefly what you want to insure. You get an immediate reply and your proposal usually within two working days.
Notes on the asterisks on this page
- The threshold of "around five vehicles" is a rule of thumb, not a rate.