Risk management and motor fleet insurance, including insurance for coaches, tankers, tippers, airside vehicles or the carriage of hazardous goods.

INSURANCE FOR THE MOTOR FLEET INDUSTRY

Risk management and motor fleet insurance, including insurance for coaches, tankers, tippers, airside vehicles or the carriage of hazardous goods.

Whether your motor insurance needs are for a couple of vehicles or a fleet of thousands, W Denis Insurance Brokers Plc has the experience to provide a solution with not only a competitive insurance quotation, but also the necessary advice and long term support to achieve improvements in driver attitudes, reduced frequency of claims and ultimately downward pressure on future renewal premiums.

Driving is a potentially hazardous activity. The consequences of an accident are well known. The cost of insuring a fleet of vehicles is usually dictated by the historic claims record and those companies unfortunate enough to suffer from regular and attritional claims will struggle to achieve the low cost per vehicle enjoyed by those other companies with low claims records.

Specialist commercial motor insurance

Our expertise ranges from managing relatively straightforward risks to placement of insurance cover for fleets that some other brokers may struggle with. These may include coaches, tankers, tippers, airside vehicles or the carriage of hazardous goods, such as chemicals and fireworks.

Having strong relationships with the key motor fleet underwriters in the markets allows us to place cover with both traditional insurers and direct into Lloyds, whichever best fits your business. For the larger fleets we have experience in alternative risk transfer methods such as captive and protected cell companies and working with accident management companies.

Motor fleet insurance risk management

W Denis Insurance Brokers Plc recognise and indeed promote the integral role that risk management has to play in commercial motor insurance. We will carry out a risk-specific evaluation for all of our clients in order to highlight key features of risk and exposure and make appropriate recommendations based on the risks your business is exposed to from operating a fleet. A small sample of the information assessed includes:

  • Age bands of drivers
  • Claims history analysis, including repeat claimants, accident trends etc
  • Control of young drivers using high value or performance vehicles
  • Conviction monitoring
  • Driving and accident history
  • Measures to encourage accident free driving
  • Tachograph analysis
  • What to do in the event of an accident.

It is essential to manage and improve motor fleet claims experience to manage the insurance costs and the key way to facilitate this is effective risk management. Ultimately the lower the level of claims, the lower the premium will be and that is our joint aim.