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Motor Fleet Risk Management

Motor fleet managing is a lot of work, but it is needed. Instead of addressing risks as crop up, it would be worthwhile investing into some motor fleet risk management strategies to enable you to stop the problem before it appears.

Although the process will vary business to business, the five basic steps for analysing your business’ risks, listed below, should be essential to any organisation’s motor fleet risk management:

  1. How and who will be harmed.
  2. Identifying hazards
  3. Evaluate risks and then decide on precautions.
  4. Document your research.
  5. Input a plan of action and review.


When purchasing a motor fleet insurance policy for your business, you must be aware that your premium will be reliant on certain criteria, especially your past claims experience.


Analysing Claims and Accidents

Analysing past accidents is an effective motor fleet risk management strategy and can resort in the same kind of incident happening less in the future. It is worth pointing out any preventive measures that the business can take in order to reduce them. If these measures do not work then review and consider new accident-reduction programs.

Rely on your insurer to supply your claims history data that will serve as the foundation of your analysis. A typical claims analysis should include the following:

  • Circumstances
  • Date and Time
  • Vehicle(s) involved
  • Driver(s) involved
  • Claim types
  • Settlement figure/cost figure


motor fleet


Controlling Your Motor Fleet Risks

Use internal and external analysis to streamline processes and promote a positive health and safety culture.


Things to consider

  • Working hours policy: Maximum number of driving hours, breaks and times of the day when driving should take place.
  • Working conditions: Interview drivers for their input on what practices need changing.
  • Route planning: See if there are more efficient ways map routes.
  • Mobile policy: Enforce a mobile policy that complies with the law i.e. no phone use whilst driving (other than hands free Bluetooth via the car or van).
  • Safety equipment: Set out rules for using safety equipment including first-aid kits, fire extinguishers and seatbelts.
  • Vehicle: Prohibit valuables being in view and make sure that drivers only park in places that are secure.
  • Responsibility: Assign specific vehicles to specific drivers in order to maintain the condition of the vehicle.
  • ‘How’s my driving?’ schemes: Many businesses include stickers on their vehicles encouraging the general public to call in with negative or positive feedback which in turn encourages drivers to drive with care and gives feedback points to discuss with management at review.


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