Towergate Commercial Fleet (TCF) is designed for people running
between 5 and 200 vehicles. Underwriting capacity is provided by
Equity Red Star (motor) and RSA (non-motor). The TCF policy allows
the insured to insure vehicles, property, liability, goods in
transit etc., all in one document with one renewal date.
TCF is a product that will be of interest to those clients that
want to improve their business by reducing accidents. Depending
upon the insured's claims record the underwriter may include
various risk management tools including Driver-CPC, driver
training, forward-facing accident cameras, Greenroads Telematics
units and TROCS. These tools will either be fully or partly funded
within the quotation.
Cover
- The insured can choose Comprehensive, Third Party, fire and
theft or Third Party only cover. Laid up fire and theft is
available provided the vehicle is the subject of a SORN (statutory
off-road notification)
- Limits of liability are: Unlimited bodily injury; £20,000,000
property damage for private type cars and £5,000,000 for damage
caused by all other vehicles
- Cover includes trailers owned or leased by the insured for a
period of no less than 3 months, whether attached or detached.
Trailers loaned to the insured or leased for less than 3 months are
covered when attached or accidentally detached only
- Cover is provided for radio, cassette, compact disc,
communication and navigation equipment permanently installed in the
vehicle
- Personal possessions of up to £250.00 are covered providing the
insured doesn't also have personal possessions cover under the
goods in transit section
- Personal Accident cover is provided for occupants of the
vehicle for up to £5,000 per person, £10,000 during the period of
insurance
- The policy also covers driver physiotherapy following an
accident for up to £400
- Cover includes Medical Expenses for occupants of the vehicle
for up to £350 per person
Exclusions
- Liability assumed under contract unless such liability would
attach in the absence of such contract
- Theft where the keys have been left in or on an unattended
vehicle
- Pollution and contamination, unless due to a sudden
identifiable, unintended or unexpected event
- Use of the vehicle for any purpose not permitted by the
Certificate of Insurance
- Loss, damage or liability happening beyond the limits of the
carriageway caused by loading or unloading by any person other than
the driver or vehicle attendant