
V3 Insurance
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Requirement
To hold a minimum of third party insurance or self-insurance for the fleet and any other insurance necessary to provide financial protection to the operation.
Purpose
To ensure that all vehicles within the scope of FORS accreditation are insured to the minimum legal requirement and to provide financial protection in the event of injury, theft, damage or loss.
Demonstration
FORS Operators shall have insurance certificates or evidence of self-insurance that covers all drivers, vehicles, trailers, specialist equipment and conditions of use that are within the scope of FORS accreditation.
Other insurance certificates shall be in place where they are relevant to the fleet operation. These include:
- Employers’ liability
- Public liability
- Goods in transit
An annual evaluation of insurance requirements should be conducted with a broker or underwriter to ensure the insurance cover is adequate for the fleet operation and to ensure best value.
To ensure the insurance is valid and the fleet operation remains financially protected, insurance certificates shall be retained in accordance with requirement M2
Evidence required
Valid motor fleet insurance;
Valid employer’s liability insurance; Public liability insurance if applicable;
Resources for Bronze
Resources marked with a padlock require a FORS account.
Guides
- Bronze audit checklist (PDF)
- Bronze audit question set (PDF)
- Bronze audit toolkit (login required)
- Toolkits and guides
- FORS Driver Handbook policy packs
Training records
- Bronze training requirements
- FORS Professional Training Register (login required)
- FORS Training Dashboard (login required)
