Your Fleet Loss Run Should Change How the Vehicles Are Managed

Fleet claims are often reviewed once, shortly before renewal, to negotiate premium. Then the spreadsheet is filed away. That misses the practical value in the data.

Even a basic loss run can show repeat drivers, locations, manoeuvres, vehicle types and reporting delays that deserve operational attention.

Add context to each claim

Capture route, time, weather, load, driver tenure, damage type, third-party involvement and days off road. A claim labelled only as accident tells a risk manager very little.

• Separate frequency problems from one severe event.
• Track reversing, parking and low-speed collisions.
• Compare workshops by repair time and repeat work.
• Record how quickly incidents are reported.

Choose two actions you can measure

A targeted reversing programme may be more useful than generic annual driver training. A route review may help one depot more than installing new technology across every vehicle.

Assign an owner, baseline and review date so the renewal meeting can discuss what changed, not only what was paid.

One last thought

The insurer sees a claims history. Your operations team should see a short list of preventable events and decide what to do next.

Coverage, exclusions, limits and claim requirements vary by insurer and policy. Read the customer information sheet and policy wording before you buy or renew.