Every fleet incident — from a minor scrape to a major accident — is a chance to learn. But too often, businesses treat incidents as isolated events instead of part of a broader risk picture. At Insuret, we help clients use their claims data to inform better decisions. Here’s how your incident history can improve your insurance strategy and operational planning:
- Identify High-Risk Vehicles or Routes: If one route or vehicle type is overrepresented in your claims, it may signal a training, maintenance, or environmental issue.
- Improve Driver Coaching: Use claims records to tailor coaching by individual or behaviour type (e.g. reversing accidents, night driving incidents).
- Optimise Your Coverage: If minor damage is a recurring theme, you may benefit from excess adjustments or add-on covers. If large claims spike seasonally, you can time reviews proactively.
- Influence Premiums and Renewals: Insurers like Insuret reward transparency. The more insight we have, the more tailored (and cost-effective) your coverage becomes.
Data isn’t just for the back office. It’s a tool for smarter risk management and better outcomes across your fleet.
