We offer the solutions you need to get it right for your customer. Every time.
Complete Mini Fleet provides cover for over 3,000 trades with fleets of 3-15 vehicles and is rated five stars by Defaqto.
5-star rating
Flexible cover
Digitally traded
Lifetime guarantee on repairs
5-star rating from Defaqto

Learn more about Allianz working in partnership with you.
Complete Mini Fleet key documents
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Cover highlights
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Risk appetite
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Claims
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Why choose Allianz?
Cover highlights
- Third party liability - unlimited indemnity for death or injury
- Third party liability - indemnity for accidental damage to other persons property; £20,000,000 in respect of private cars and £10,000,000 for all other vehicles
- Comprehensive electric vehicle cover - including third party liability during charging and damage for cables and connectors and electric wallbox located at insured's premises and employees' homes
- New for old – cover for private cars or goods carrying vehicles up to 7.5 tonnes, if less than one year old and damaged beyond 50% of their list price
- Personal accident – cover for drivers, with £10,000 indemnity per incident
- Accidental misfuelling – cover to drain the fuel tank and rectify any subsequent damage
- In-vehicle safety technology – up to £250 for equipment such as dash-cams
- Replacement locks – unlimited cover if vehicle keys have been lost or stolen
- Child seat – like for like replacement cover
- Legal protection – cover up to £100,000 for uninsured loss recovery and motor prosecution defence
- Personal belongings – up to £500 per incident
- Medical expenses – up to £500 per person for anyone injured in the insured vehicle, subject to a maximum of £2,000 per incident
- Driving abroad - territorial limits apply
- Unauthorised movement - policy cover for the movement of vehicles impeding legitimate access or exit
- Volunteering - cover for employees using their company vehicle to support the NHS, Trussell Trust or IFAN (Independent Food Aid Network) recognised charities with the insured‘s agreement
- Psychological support (optional extension) – for up to eight sessions of treatment following an accident for the driver and any passengers
Risk appetite
- Fleets of 3-15 vehicles (up to 20 vehicles at renewal)
- Business cars and light commercial vehicles less than 7.5 tonnes (used for carrying own goods only)
- UK based businesses – over 3,000 trades and occupations accepted
- Established businesses with a minimum of three years confirmed claims experience
- Private car schedules not dominated by high performance vehicles
- Fleets that do not change insurer on an annual basis.
Claims
- Dedicated fleet claims handlers - supported by rehabilitation and fraud investigation teams
- 24/7/365 claims reporting - digitally via Allianz Claims Hub, phone or email
- Real-time claims updates - validation, liability and repair progression updates via Allianz Claims Hub
- Live chat - our online messaging system via Allianz Claims Hub
- Digital document transfer - video footage or imagery can be uploaded in support of a claim via Allianz Claims Hub
- Excess suppression - when a third party is at fault and their insurer is identified, we'll waive the damage excess
- Driver notification app - Allianz Notify can be used to notify a claim and capture third party driver details
Why choose Allianz?
Expert Claims handling
Dedicated commercial motor claims experts – UK based and supported by rehabilitation and fraud investigation teams
Allianz Motor Insurance Database
Website and helpdesk providing immediate access to maintain vehicle data at allianzmid.co.uk
Free windscreen repairs with Autoglass
Providing a lifetime guarantee - and if the windscreen can be repaired, as opposed to replaced, there’s no excess to pay
Excess suppression
When a third party is at fault and their insurer is identified, we’ll waive the damage excess
Discounts on motor fleet products and services from third party suppliers, including:
DriveTech – driver and fleet manager training and support (up to 50% discount)
Lightfoot – live driver coaching and fuel saving tool (15% discount)
VUE – CCTV in-vehicle camera solutions (up to 30% discount)
TRACKER Network UK (Ltd) – discounted products from the UK’s most successful stolen vehicle recovery system (£150 discount on the unit cost of vehicle tracking unit)
Excess suppression Business support helpline
Offering guidance on health, safety, environmental, cyber security and business continuity help
Risk management expertise
Designed to help manage the risk to your client's business and relevant legislation.
Frequently asked questions (FAQs) for Complete Mini Fleet
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Product related
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E-Trade related
Complete Mini fleet is designed to cover businesses that have been trading for three or more years, operating in low to medium hazard trade sectors such as electrical contractors, roofing services, landscape gardeners and other allied trades.
(Note: date established declared in QuoteSME must reflect the date of incorporation of the legal entity as listed on companies house.)
Any trades that necessitate hire and reward exposure will decline.
We also actively preclude exposures to:
- high profile individuals or events management
- hazardous good or visiting hazardous sites
- heavy industry (including scrap merchants)
- animal exposures
- newsagents
- restaurants, food sellers, catering or hospitality
- nurseries, schools, colleges, universities or sports clubs.
If your client makes a claim for damage to their business car or light commercial vehicle and they choose to use one of our approved repairers they will be entitled (subject to policy cover) to a Class A courtesy vehicle.
Like-for-like replacement vehicles can be provided at competitive hire rates should a Class A vehicle not be suitable, removing the need for the client to make additional arrangements.
CCE or proof of NCD can be uploaded via QuoteSME. Proof of experience can be submitted online at point of quote or up to 23 days after policy inception. This will then follow a validation process where the experience will be checked against that information declared at inception.
We must have received and validated this proof(s) within 30 days of inception. Failure to do so will result in the cancellation of the policy on the thirtieth day.
The data captured should be based on the combined experience. For example, the current year vehicle years would equate to 4.8. The claims experience should also be merged in the same way.
For validation we would expect that the declared experience has no more vehicle years than the conformed claims experience plus the count of the NCD vehicles.
This could be due to several factors that when grouped together make the exposure unacceptable under the Complete Mini Fleet product. This could be due to an accumulation of vehicles that might be acceptable individually but when grouped together offset our target vehicle mix.
Please speak to an underwriter if you require further specific information relating to your quote.
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