With one or two cars, casco in a corporate setting still follows retail logic – but as the fleet grows, a different discipline begins: fleet management. Unified handling, different administration, different pricing logic. This site belongs to retail casco – this article walks you to the boundary, and from there flotta.biz takes over.
- Fleet thinking typically opens up as the number of vehicles grows – the exact threshold depends on the specific policy.
- The advantage of a fleet is uniformity: a shared set of terms, simpler administration, manageable claims handling.
- The company's FULL risk picture (property, liability, fleet) is a portfolio question – vallalkozas.biz gives an overview of that.
How is fleet casco different?
Retail casco is a policy priced and managed individually for each car. The fleet approach looks at the vehicle fleet as a single unit: shared terms, administration running under one framework, claims statistics handled at fleet level. This brings the company predictability and time: instead of tracking ten renewal dates and ten sets of terms, there's just one. The switching point is typically where the administrative burden of individual handling is already measurable in staff working hours.
The typical questions for companies
Who should the contract be with, and who handles the claims? How is liability divided for mixed (business and private) use? What's the approach to the employee-deductible question (who bears the cost when there's a claim)? How does the fleet fit with the company's other insurance? These are already fleet- and policy-level questions – the depths are covered by flotta.biz, and the company's full portfolio picture by vallalkozas.biz.
What can this site offer companies?
The principles in our knowledge base – deductible logic, depreciation, reporting a claim – hold true for a fleet too, and our checklists work just as well in a company glovebox. If you're not sure which framework suits your company: ask, and if a fleet direction is the right call, I'll tell you – there's no point keeping anyone in the wrong framework.
Company cars, a growing fleet? Let's work out which framework suits you. book a free 20-minute consultation →
