Keeping your fleet premiums low

By Dean

06 Apr 2016

One major factor in the cost of fleet insurance is a poor claims record. Fleet operators that can show a proactive attitude to their fleet management will be favourably looked on by insurers.

Miller

By David Miller, managing director, David J Miller Insurance Brokers

Unfortunately accidents mean higher premiums. But by building a culture within your company of safe driving, some accidents can be avoided.

At renewal your broker should work with you to identify the accidents that have occurred and who has had them. Do drivers work to deadlines that potentially leave them with little time to spare? Is there a pattern, for example, seven claims in the last 18 months of drivers hitting the vehicle in front? That would indicate the drivers are probably driving too fast for the conditions and too close to the vehicle in front.

What can a fleet manager do? Distribute the company objectives on accidents, how they are caused and how they can be avoided.  Implement an investigation and disciplinary procedure following an accident. What can you learn from the incident? Review the information. Do you need to undertake a review or update your company policies or staff training?

Additionally you can consider tracking of vehicles which can show not only the location of the vehicles but the speed they have travelled. On board cameras can show how accidents occurred and are very useful in countering any fraudulent third party claim.

Generally, insurers will offer the same rate per vehicle whether a vehicle is either owned or leased to the company. However in some cases there could be cost implications if the vehicle is leased to the individual, but this is something that we can help overcome. As an independent insurance broker David J Millers can work with you to improve your claims experience to help reduce your premiums year on year.

Enjoyed this? Read more from Dean

Latest news

1

University of Lancashire climbs 14 places in student positivity survey Happy students at ULAN

University of Lancashire climbs 14 places in student positivity survey

10 Jul 2025

2

Forbes Solicitors achieves strong growth and promotes 15 Forbes Solicitors promotions

Forbes Solicitors achieves strong growth and promotes 15

10 Jul 2025

3

Communications company raises investment will fuel global expansion Laurence Tan (Investment Associate, Praetura Ventures); Charlie Morris (Director, Corporate Finance (Mergers & Acquisitions); Ian Rose (Chairman, Audiebant); Josh Dean (CEO, Audiebant); Peter Carway (Investment Director, Praetura Ventures)

Communications company raises investment will fuel global expansion

10 Jul 2025

4

Lancaster Spirits Company announces partnership with leading whisky maker Joan Casals, Max McFarlane and Chris Pateman

Lancaster Spirits Company announces partnership with leading whisky maker

09 Jul 2025

5

Viridium appointed to support Indurent with major warehouse decarbonisation project Rebecca Latham, Gemma Cornwall and Ross Cornwall

Viridium appointed to support Indurent with major warehouse decarbonisation project

09 Jul 2025

Background image for hub sign up block

LBV Hub

Leverage Lancashire Business View platforms

Post your news
Post your events
Post your offers
Build your network
Improve your SEO
Gain coverage in the magazine
Sign-up
Events
LBV123 July/August Launch Event
Lancashire Business View magazine launch
Networking
16 Jul 2025

LBV123 July/August Launch Event

Burnley College University Courses Building, Burnley, BB12 0AN

08:30 - 10:30

Lancashire Built Environment Conference 2025
BEC 315 X 315 Px
Networking
25 Sep 2025

Lancashire Built Environment Conference 2025

Blackpool Football Club, Blackpool, FY1 6HX

08:30 - 13:00

CMI Level 5 Management and Leadership Course
UCLanAerialCampus.jpg.jpg
LBV Hub Seminars
21 Feb 2025 - 21 Feb 2026

CMI Level 5 Management and Leadership Course

Preston Campus, Preston , PR1 2HE

09:00 - 17:00

CMI Level 5 Project Management Course
UCLanAerialCampus.jpg.jpg
LBV Hub Seminars
21 Feb 2025 - 21 Feb 2026

CMI Level 5 Project Management Course

Preston Campus, Preston, PR1 2HE

08:00 - 17:00

Shaping Preston's future by remembering its past
1750160034867.png.png
LBV Hub Networking
16 Jul 2025 - 16 Jul 2025

Shaping Preston's future by remembering its past

Society1, Coworking Space, Preston, PR1 3LT

18:00 - 20:30

Chamber Summer BBQ
LBV Hub Social
17 Jul 2025 - 17 Jul 2025

Chamber Summer BBQ

The Borough, Dalton Square, Lancaster, LA1 1PP

17:30 - 20:00

Preston Tech Connection: Web3 is Dead. Or is It?
July Longer Banner.jpg.jpg
LBV Hub Networking
29 Jul 2025 - 29 Jul 2025

Preston Tech Connection: Web3 is Dead. Or is It?

Society1, Coworking Space, Preston, PR1 3LT

18:00 - 19:30

Preston Freelancer Meet-Up: July
Longer July Banner.jpg.jpg
LBV Hub Networking
31 Jul 2025 - 31 Jul 2025

Preston Freelancer Meet-Up: July

Society1, Coworking Space, Preston, PR1 3LT

10:00 - 11:30

Cumbria Business Expo 2025
https---cdn.evbuc.com-images-880461633-4862066883-1-original.20241022-110415.jpeg.jpg
LBV Hub Exhibitions
19 Sep 2025 - 19 Sep 2025

Cumbria Business Expo 2025

Carlisle Racecourse, Carlisle, CA2 4TS

09:00 - 15:00

North West Business Expo 2025
https---cdn.evbuc.com-images-880456273-4862066883-1-original.20241022-105445.jpeg.jpg
LBV Hub Exhibitions
24 Oct 2025 - 24 Oct 2025

North West Business Expo 2025

Bolton Stadium Hotel, Bolton, BL6 6SF

09:00 - 15:00

Lancashire Business Day 2025
241122lbvlancashiredaylhp0647web
Networking
27 Nov 2025

Lancashire Business Day 2025

Burnley FC , Burnley, BB10 4BX

12:00 - 17:00

Advertise with us

Reaching 50,000 members, our print, digital and event platforms offer a fantastic way to raise your business profile and help you grow.

Find out more LBV122 Online Graphic
Subscribe now

Weekly news bulletin