What Is Fleet Comprehensive Motor Insurance?

Is Fleet Kasko a Defined Product?

Fleet comprehensive motor insurance means running a company's vehicles under one insurance programme, a common cover structure and a single renewal calendar. One misconception is worth clearing away first: "fleet kasko" is not a defined class of cover under Turkish insurance regulation.

Clause A.1 of the Land Vehicles Comprehensive Insurance General Conditions fixes exactly four permitted product names: Dar Kasko (restricted), Kasko, Genişletilmiş Kasko (extended) and Tam Kasko (full). The same clause requires the policy heading to carry the matching name in type of at least 16 point. Every vehicle in a fleet therefore carries one of those four covers.

The word "fleet" describes the administration, not the cover. The position is the same on the compulsory side, where the definitions article of the Regulation on Tariff Application Principles contains no definition of a fleet at all. A fleet is a commercial arrangement, not a separate class of insurance.

How Many Vehicles Make a Fleet?

This is the most common question, and the honest answer is that no minimum exists in legislation. No statute or regulation says a fleet begins at a given number. Each insurer sets its own threshold through its underwriting rules.

In practice the threshold turns less on the count than on three tests: whether the vehicles are gathered under a single policyholder, whether their uses are broadly similar, and whether the portfolio's past claims behaviour is measurable. A business with five vehicles may qualify with one insurer while a business with ten may not, because its vehicles are used in very different ways. The number is therefore established with the insurer at quotation stage.

Can Compulsory Cover Be Written on One Fleet Policy?

No — and this is the most widely misunderstood point about fleets.

Article 5(5) of the Regulation on Tariff Application Principles is explicit: where an operator has more than one motor vehicle, or where several vehicles are operated under the name or trading name of an undertaking, a separate insurance contract is taken out for each vehicle and the premium tier is determined individually for each one.

Two consequences follow. First, compulsory cover cannot be consolidated into a single policy; fleet management here means consolidating the calendar and the process, not the policies. Second, the no-claims tier is not pooled — each vehicle's tier moves with its own record. The table in Article 5(1) also states that discount and loading percentages are set freely by the insurers.

Kasko is different because it is voluntary: cover, deductibles and policy structure are shaped by the contract, and that is where the real flexibility lies. We set the general differences out in kasko compared with compulsory traffic insurance.

How Cover Is Structured in a Fleet

Cover is built in two layers. The first is the five core peril groups in clause A.1: collision; sudden external impact, overturning and falling; malicious acts of third parties; fire in the vehicle; and theft or attempted theft of the vehicle or its parts. The second layer is the riders in clause A.4.

What matters in a fleet is that the second layer can differ by vehicle group. A group working on construction sites and a group running urban shuttles do not need the same riders.

What Central Risk Control Actually Buys

The value of fleet management comes from measurability rather than from an expected discount. Turkish regulation leaves three concrete levers:

• Driver behaviour feeds into the premium. Under Article 4(7) of the Regulation on Tariff Application Principles, penalty points imposed on drivers, and the duration of and reasons for any licence suspension, may be used in setting the premium. Managing drivers is managing premium.
• The operator answers for the driver's fault as if it were their own — the final paragraph of Article 85 of Highway Traffic Law no. 2918 says so expressly. Where vehicles are registered to a company, liability does not stop with the driver.
• The renewal calendar has a measurable price. Under Article 7, for every 30 days a policy is left unrenewed after expiry a 5 per cent loading is added to the next contract's premium, capped at 50 per cent. Across thirty vehicles, a handful of missed renewals leaves a lasting cost.
• Tier history rests on documents. Article 6 requires the registration certificate and any transport permit for tier assessment, requires the TRAMER claims record to be used, and requires insurers to retain claims records for at least three years.

Five Lines to Read on a Fleet Policy

Total premium alone tells you little when comparing fleet quotations. These five lines make two offers genuinely comparable.

• The deductible. Clause A.6 lets the parties agree that loss up to a stated sum, or a stated proportion of the sum insured, will not be indemnified, and requires deductibles to be printed in type of at least 14 point. Whether it bites per vehicle or per event drives the total cost across a fleet.
• The measure of indemnity. Under clause B.3.3.1.1 the vehicle is covered up to its market value at the date of loss. The reference used to establish that value should appear in the policy.
• The notification period. Clause B.1.1.1 requires notice within five working days of learning of the loss — in a fleet, a process question running from the driver to the person responsible for insurance.
• The exclusions. Clause A.5 lists ten. Those most often met in fleets are use by a person without the required licence (5.4), use under the influence of alcohol or narcotics (5.5), and exceeding the permitted load or passenger capacity (5.8).
• Vehicles joining and leaving. Under clause C.5 the contract terminates automatically where the insured interest changes, though the policy may provide for continuation with the new owner. What happens on a sale should be written into the policy.

What an Agency Does on a Fleet

On fleet business an agency's contribution begins with data order rather than price negotiation: grouping the vehicle list by type of use, gathering each vehicle's tier history and renewal date into one calendar, separating rider requirements group by group, and normalising deductible structures so quotations are measured the same way. Quotations obtained without that preparation are not comparable. As an insurance agency, RYL Sigorta Aracılık Hizmetleri prepares quotations from the insurers we are appointed by and sets cover, deductible and exclusion lines side by side; the policy is issued on behalf of the insurance company and any indemnity is paid by that company. The compulsory side is set out in what compulsory traffic insurance covers, and the full range sits on the motor insurance page.

Frequently Asked Questions

Sources

• Land Vehicles Comprehensive (Kasko) Insurance General Conditions — SEDDK
• Regulation on Tariff Application Principles for Compulsory MTPL Insurance — Turkish Legislation Information System
• Highway Traffic Law no. 2918 — Turkish Legislation Information System
• Compulsory Motor Third Party Liability Insurance General Conditions — Turkish Legislation Information System
• Insurance General Conditions — SEDDK

This article is for information only; the scope of cover is set by the policy’s specific and general terms.