Fleet, motor and cyber quotes with every limit clear
Vehicle classes on agreed values, goods in transit, cyber and professional indemnity limits, the options and the excess, in one document.
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Specialist brokers use QuoteCloud for fleet, motor, cyber and professional indemnity quotes: covers and limits per insurer side by side, the vehicle schedule as an attached PDF, optional covers and excess choices, the specialist's notes, a director's approval on large accounts (Business) and every signer's eSignature.
A fictional courier company's vehicle schedule, attached as a PDF: twelve vans with agreed values totalling $612,000 and two pickups totalling $96,000. The van rows light and become the comparison line for comprehensive motor on 12 vans at $18,960 with Alder & Finch, then the pickups become the 2 pickups line at $2,480. A card shows Alder & Finch Insurance recommended with the windscreen excess waiver, an annual premium of $23,100.00 as quoted, approved by the director because it is over $20,000.
Two specialist quotes, every limit side by side
The same comparison layout carries a fourteen-vehicle fleet and a professional firm's PI and cyber, with the specialist's notes in the document.
Fleet options, side by side
Annual premiums for 12 months from 1 Nov 2026
| Cover | Alder & Finch Recommended | Corvane | Marrowbank |
|---|---|---|---|
| Comprehensive motor: 12 vansAgreed values, schedule attached · $612,000 | $18,960 | $19,840 | $18,420 |
| Comprehensive motor: 2 pickupsAgreed values · $96,000 | $2,480 | $2,610 | $2,390 |
| Goods in transitAny one vehicle · $50,000 | $1,240 | $1,180 | $1,310 |
| Optional covers Tick to add | |||
| Windscreen excess waiverFirst claim each year · Every vehicle | +$420 | +$380 | +$450 |
| Hire vehicle after an accidentUp to 21 days · $150/day | +$690 | +$740 | +$655 |
| Excess per motor claim Choose one | |||
| Standard excess | $1,000 | $1,000 | $1,500 |
| Higher excess | $2,500−$1,320 | $2,500−$1,410 | $3,000−$1,180 |
| Annual premiumAs quoted | $23,100.00 | $24,010.00 | $22,570.00 |
- Annual premium · Alder & Finch InsuranceAs quoted, including tax and statutory charges
- $23,100.00
- Tallowmere broker feeFor arranging and managing the fleet policy
- $1,200.00
- Tax on the broker fee
- $120.00
- Total
- $24,420.00
- Paid on signing · broker feeInto Tallowmere's own Stripe account
- $1,320.00
Vehicle schedule
Attached as a PDF · agreed values supplied by the client
| Unit | Vehicle | Year | Agreed value |
|---|---|---|---|
| V01 | Long-wheelbase van | 2024 | $52,000 |
| V02 | Long-wheelbase van | 2023 | $52,000 |
| V03 | Long-wheelbase van | 2025 | $52,000 |
| V04 | Long-wheelbase van | 2022 | $52,000 |
| V05 | Long-wheelbase van | 2024 | $52,000 |
| V06 | Long-wheelbase van | 2023 | $52,000 |
| V07 | Mid-size van | 2022 | $49,500 |
| V08 | Mid-size van | 2021 | $49,500 |
| V09 | Mid-size van | 2024 | $49,500 |
| V10 | Mid-size van | 2023 | $49,500 |
| V11 | High-roof van | 2025 | $51,000 |
| V12 | High-roof van | 2022 | $51,000 |
| 12 vans | $612,000 | ||
| U01 | Dual-cab pickup | 2024 | $49,000 |
| U02 | Dual-cab pickup | 2022 | $47,000 |
| 2 pickups | $96,000 | ||
| Total agreed value · 14 vehicles | $708,000 | ||
Sample schedule: unit numbers only, no registrations.
Notes from Arun
- Every insurer has quoted the same agreed values from your schedule, so the van and pickup lines compare like for like.
- Alder & Finch's goods in transit limit is $50,000 any one vehicle, the same as the other two.
- The higher excess saves $1,320 a year with Alder & Finch; with fourteen vehicles on the road, we'd keep the standard excess.
Sam OkoyeDoes goods in transit cover parcels left in a locked van overnight?
Arun, TallowmereOnly from a locked vehicle with signs of forced entry, as set out in Alder & Finch's wording. I've attached the clause.
Agreed values from the client's own schedule
Comprehensive motor for the van and pickup classes on agreed values, goods in transit and two optional covers, with the vehicle schedule attached as a PDF so every insurer's terms can be checked against the same list.
- One row per vehicle class, the schedule behind it
- Windscreen waiver and hire vehicle as options
- Arun's notes and Sam's question in the document
Your options, side by side
Annual premiums for 12 months from 1 Nov 2026
| Cover | Alder & Finch | Corvane Recommended | Marrowbank |
|---|---|---|---|
| Professional indemnityAny one claim and in the aggregate · $2m | $3,850 | $3,620 | $4,080 |
| Office contentsReplacement value · $60,000 | $480 | $455 | $510 |
| Public liabilityAny one occurrence · $20m | $520 | $545 | $495 |
| Optional covers Tick to add | |||
| CyberBreach response, restore, liability · $500,000 | +$1,240 | +$1,180 | +$1,320 |
| Management liabilityDirectors, employment practices · $1m | +$1,650 | +$1,720 | +$1,580 |
| Business interruption12-month indemnity period · $300,000 | +$610 | +$590 | +$640 |
| Excess on contents claims Choose one | |||
| Standard excess | $500 | $500 | $1,000 |
| Higher excess | $1,000−$60 | $1,000−$55 | $2,000−$70 |
| Annual premiumAs quoted | $6,090.00 | $5,800.00 | $6,405.00 |
- Annual premium · Corvane GeneralAs quoted, including tax and statutory charges
- $5,800.00
- Tallowmere broker feeFor arranging and managing the cover
- $450.00
- Tax on the broker fee
- $45.00
- Total
- $6,295.00
- Paid on signing · broker feeInto Tallowmere's own Stripe account
- $495.00
Notes from Arun
- Professional indemnity stays at $2 million any one claim and in the aggregate with every insurer.
- Cyber covers breach response, restoring your systems and claims from clients whose records are affected, up to $500,000.
- Management liability is optional; tick it if you'd like the partners covered for employment disputes.
Professional indemnity with the limits stated
Professional indemnity any one claim and in the aggregate, office contents and public liability from three insurers, with cyber ticked and management liability left for the partners to decide.
- Each limit stated per cover
- Cyber and management liability as options
- Both partners sign
Large accounts reviewed before they're sent
Fleet recommendations run into five figures. With an approval rule on total value, anything over $20,000 goes In Review, and Helen approves it before Tess and Sam ever see it.
The log records who sent it for review and when it was approved, beside the comparison itself.
- Triggers on total value or discount percentage
- Named approvers by team, role, template or customer
- Approve or decline from the document
Approval workflow: Business plan
How the approval workflow worksDocument workflow
ApprovedTriggered when Total value greater than $20,000
- Helen CarrowDirectorApproved
Recommendations over $20,000 go to a director before they're sent.
- Arun Pillai sent TI-F-0334 for review · Fri 16 Oct, 2:10 pm
- Helen Carrow approved · Fri 16 Oct, 3:42 pm
Approval workflow · Business plan
Fleet options, side by side
Annual premiums for 12 months from 1 Nov 2026
- Annual premium · Alder & Finch InsuranceAs quoted, including tax and statutory charges
- $23,100.00
- Tallowmere broker feeFor arranging and managing the fleet policy
- $1,200.00
- Tax on the broker fee
- $120.00
- Total
- $24,420.00
- Paid on signing · broker feeInto Tallowmere's own Stripe account
- $1,320.00
Premiums as quoted by each insurer, including tax and statutory charges. Sample figures.
What to put in a specialist quote template
The parts specialist brokers build into their fleet, motor, cyber and PI templates so every comparison is fair and quick to check.
Identical limits rows
The same covers and limits in every insurer's column, so the only difference is each insurer's premium.
The schedule as a PDF
The client's vehicle or asset schedule attached as a PDF block, behind the class rows.
Optional covers
Waivers, hire vehicles, cyber or management liability as rows the client ticks.
Excess choices
Standard or higher excess as a single choice, with each insurer's quoted saving.
Specialist notes
Your notes on sub-limits and conditions, and comments for the client's questions.
Every decision-maker
The manager who met you and the director who didn't, each with their own signing block.
Bring your fleet or cyber template to the trial
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The director who wasn't in the meeting signs too
Tess, the operations manager, went through the options with Arun and signed. Sam, the director, gets his own signing block and the same document, with Arun's notes and the answer to his question about goods in transit.
Until Sam signs, the recommendation shows as awaiting signature, and your team can see it on the documents list.
- Several signers on one recommendation
- Signed and awaiting, per signer
- One-time passcode by email, if you want one
eSignatures: every plan
Disclosures, acknowledgements & signersNotes from Arun
- Every insurer has quoted the same agreed values from your schedule, so the van and pickup lines compare like for like.
- Alder & Finch's goods in transit limit is $50,000 any one vehicle, the same as the other two.
- The higher excess saves $1,320 a year with Alder & Finch; with fourteen vehicles on the road, we'd keep the standard excess.
Sam OkoyeDoes goods in transit cover parcels left in a locked van overnight?
Arun, TallowmereOnly from a locked vehicle with signs of forced entry, as set out in Alder & Finch's wording. I've attached the clause.
Accept and sign
1 of 2 signed
- Tess MorganOperations manager SignedTue 20 Oct, 10:15 am
- Sam OkoyeDirector Awaiting signature
Certificate of authenticity and audit trail attached
A fleet renewal from schedule to signatures
How a specialist broker sends a fleet comparison in QuoteCloud.
Attach the schedule
Add the client's vehicle schedule as a PDF block in the fleet template.
Enter each class
One row per vehicle class with the agreed values, and each insurer's premium from their quote.
Add options and notes
Tick-to-add covers, the excess choice and your notes on sub-limits.
Review
Over your threshold, a director approves it (Business).
Every signer signs
The manager and the director each sign in their own block.
Fleet and cyber quote questions, answered
How do I lay out a fleet insurance quote?
Put one row per vehicle class with its agreed value and each insurer's premium, goods in transit and any optional covers below, and the excess as a single choice. Attach the client's vehicle schedule as a PDF block so every insurer's terms can be checked against the same list.
Does QuoteCloud connect to telematics or vehicle data?
No. QuoteCloud has no telematics, vehicle data, insurer or rating integrations. The schedule is the client's own document, and you type each insurer's premiums from their quotes or send them through the API, Zapier or Make. Your notes can explain how each insurer's terms apply to the schedule.
Can QuoteCloud assess a client's cyber risk?
No. QuoteCloud doesn't score cyber risk or assess security. A cyber quote in QuoteCloud shows the limits and premiums each insurer quoted, your notes, and the client's choice and signature. Any questionnaire the insurer needs stays with the insurer's own process.
Can large fleet quotes need approval before sending?
Yes, on the Business plan. Set an approval rule on total value, such as recommendations over $20,000, and the document goes In Review until the named approver approves it. The approval log stays with the document. Who sent it for review and who approved it is logged with the document.
Can a director sign after the operations manager?
Yes. Add both as signers and each signs in their own block whenever they open it. The document shows who has signed and who is awaiting signature. A fixed signing order isn't something we describe, so add every signer the decision needs.
Does QuoteCloud explain policy wordings?
No. Policy wordings are the insurer's, and any explanation in the quote is your own content. QuoteCloud makes no claims about wordings and gives no advice. Attach the wording as a PDF if you want the client to have it in the same document, and add your own notes on sub-limits and conditions beside the figures.
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