The VTC fleet immediately reduces the premium per vehicle, ensures compliance and simplifies claims management; a diagnosis and a cost simulation are enough to convince operators.
Faced with rising operating costs and 2025 regulatory requirements, VTC fleet insurance offers multi-vehicle operators a major lever: a single contract, decreasing rates, simplified claims management and better control of TCO. To convince your prospects, demonstrate the immediate financial impact, legal compliance, expanded guarantees and digital support that a specialized broker like KT Courtage can provide.
Why are multi-vehicle VTC operators hesitant?
Persistent preconceived ideas
- “A fleet costs more than an individual contract” : false, insurers apply sliding scales for three vehicles or more, which can generate savings of 10 to 20%.
- “Administrative management is more complex” : on the contrary, the fleet groups policies, deadlines and certificates in a single customer area.
Fear of immobilization
An operator fears loss of revenue if several vehicles are immobilized. A well-calibrated fleet program includes a backup vehicle and 24/7 zero-mile assistance, limiting business downtime.
Key arguments to convince them
#1. Immediate savings
- Decreasing prices : the more vehicles there are, the lower the unit cost.
- TCO optimization : Including insurance in the fleet cost reduction strategy lowers the overall TCO by up to 12%.
#2. Complete and modular coverage
| Guarantee | Why it reassures the operator | Source |
|---|---|---|
| Traffic liability insurance & Professional liability insurance | Mandatory for all VTC drivers |
Matmut |
| Comprehensive insurance + glass breakage | Recent premium vehicles often financed through LOA |
VTCassurance.com |
| Legal protection & business interruption | Fees and loss of earnings covered | SVI-Insurance |
#3. Simplified claims management
A claim reported via a fleet management portal triggers: handling, monitoring, reporting, and a monthly cost summary. Emphasize the time savings for the manager.
#4. Continuous Regulatory Compliance
The fleet guarantees that each new vehicle added instantly benefits from the guarantees required by the DREAL and the platforms.
4-Step Method to Close the Sale
1. Fleet diagnosis
Analyze: average age, engine, mileage, claims history.
2. Economy simulation
Present a before/after table: current cost vs. forecast fleet premium including tax savings (TVS, depreciation).
3. Prevention plan
Offer telematics boxes, dashcams and eco-driving sessions; insurers offer up to 15% discounts.
4. Digital support
Immediate certification for each vehicle, API for reporting to Uber/Bolt and monthly claims reporting.
Best practices for overcoming objections
- Transparency of deductibles : explain the benefits of an average deductible to reduce the premium without increasing the bill in the event of a claim.
- Dynamic update : a simple amendment is enough to add or remove a vehicle, without going through the full subscription process.
- Quarterly monitoring : send a claims report + corrective actions to demonstrate the broker's added value.