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7 Oct 2015
Fleet Insurance How Can You Pay Less?
50 + Years Experience
� Darren Cronin
� Dave Adams
Our Key Message
“if you control the claims, the premiums will look after themselves”
“But we don’t have
claims!”
Three Areas
� How you present your risk
� How you stop claims
� How you control claims costs
1- Presenting a Fleet
What Insurers look for;
�Trade / Business
�Number and Types of Vehicles – fleet make up, cars, vans, heavy goods etc
�Location (Insurer Statistics on claims)
�Activity – What exactly is being done eg – is it time critical etc
�Goods Carriage – are they own goods, hire and reward, are they Hazardous
�Drivers info – Licences / Convictions / Material Disclosure
�Payment History Credit Scoring
�Claims Experience
2 – Stopping Accidents
3 – Claims Cost Control
Accidents will happen
� Report asap
� Factual information
� Capture Third Party Details
� Photographs
� Video
Typical Costs
Third Party Lead� Own Damage £1,500
�Credit Repair £500
�Credit Hire £800
�Injury £1,500
�Medical Costs £500
�Solicitors £2,000
Total £6,800
Aviva Control�Own Damage £800
�Hire Car £400
�Injury £1,500
Total £2,700
Claims Culture• Low Speed Impact - Whiplash• Fraud
• Crash for Cash• Slam On’s• Ghost Passengers
Hidden Costs of an Accident
� Injury to Employee off work
� Damage to Vehicle – Off Road
� Hire Vehicle
� Loss of Orders
� Damage to Reputation
Summary • Jelfs - Here to Help• Reducing your premiums by investing
a little resource in Risk Management• Changing the way you handle claims
Thank You
� Further Questions
� Feedback
If you’d like the chance to win the rugby shirt.
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