Products & Services

Insurance Management


Fleet insurance is a major cost element and one that can be easily controlled. It is too easy to blame the driver and recommend driver training, but this is not the immediate solution.

Most premiums are high because the claims experience has not been managed and the insurance providers have taken advantage of the client’s lack of understanding of how the premium is rated.

All fleet based premiums are based on the three years average claims cost per vehicle. Our philosophy is to control the claims cost and the rating model so that the premium will find its correct level.

We will interrogate the claims history and remove all claims that have been incorrectly reported. We investigate provisions set for outstanding claims, paying particular attention to personal injury claims that may remain on the claims experience indefinitely.

We will reduce the cost of claims by incorporating incentives into the driver quotation to encourage the choice of smaller cars and reduce mileage. Risk is mileage based and if the car is used less, then there is a lower probability of a claim.

Many risk reduction strategies have a correlation with carbon output, e.g. vehicle size and reduced mileage. Therefore, our strategies have a dual environmental and risk benefit.

Because the average claims cost is a product of the cost of repairs and the number of vehicles on the fleet, there are significant advantages in increasing the fleet size by sharing the policy in a collaborative partnership.

Once the claims experience has been cleansed and the claims cost and fleet size agreed, the fleet can be market tested. We can offer a broad selection of brokers and underwriters who can provide comprehensive fleet, third party and funding arrangements under very competitive terms.