A fleet is real value and real risk. We explain what OC, AC and GAP cover, the most common mistakes in company policies, and the levers that actually reduce the premium.
The larger the fleet, the more insurance weighs on the budget — and the more there is to gain from a well-built programme. Start with what actually sits behind the three abbreviations on every quote.
OC — the compulsory minimum
Third-party liability insurance is required by law for every registered vehicle in Poland. It covers damage you cause to other people, but it does not protect your own car. It is the absolute baseline, not protection for the company's assets.
AC — cover for your own vehicle
Autocasco covers your own losses: collision, theft, vandalism and incidents such as fire or hail. Across a fleet the detail is what matters: the scope, the sum insured, how a claim is settled (repair shop or estimate) and the excess, which feeds directly into the premium.
GAP — protecting the vehicle's value
GAP insurance covers the difference between what the car is worth on the day it is written off or stolen and its original value (or the invoice amount). This matters enormously for leased and new vehicles, which lose value fastest.
The most common mistakes in fleet policies
- An understated AC sum insured — the payout does not cover the real loss.
- No GAP on leased cars — a financial hole once a car is written off.
- Policies scattered across several agents — no economies of scale, and chaos when a claim comes in.
How to genuinely lower the premium
A fleet premium is not a lottery. It is a set of levers you can steer deliberately:
- Consolidating policies with one broker, for scale in the negotiation.
- Telematics and driving-style monitoring.
- A deliberate choice of excess.
- Looking after the fleet's claims history.
As a broker, Nalan Trade compares offers from several insurers and builds one coherent programme for the whole fleet — with a single point of contact for claims and renewals.
Najczęstsze pytania
What is the difference between AC and GAP?
AC covers damage to your own vehicle (collision, theft, incidents). GAP covers the difference between what the car is worth on the day it is written off and its original value — it protects against loss of value, which matters most on a lease.
Do I need GAP on a leased car?
Yes — it is one of the most important protections on a lease. After a total loss, AC pays the market value, which is often lower than what you still owe the lessor; GAP covers that gap.
What is the fastest way to lower the premium across a whole fleet?
Consolidating policies with one broker works best, together with a deliberate excess, telematics and a good claims history. The broker can then negotiate with the weight of the whole fleet behind them.
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