{"id":2564,"date":"2021-01-26T16:27:13","date_gmt":"2021-01-26T16:27:13","guid":{"rendered":"https:\/\/www.chevinfleet.com\/en-au\/?p=2564"},"modified":"2026-04-15T14:41:42","modified_gmt":"2026-04-15T13:41:42","slug":"5-useful-tactics-help-reduce-fleet-insurance","status":"publish","type":"training","link":"https:\/\/www.chevinfleet.com\/en-au\/learning-zone\/5-useful-tactics-help-reduce-fleet-insurance\/","title":{"rendered":"5 tips to help reduce your fleet insurance"},"content":{"rendered":"
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Reduce your fleet insurance costs<\/strong><\/h3>\n

Wondering how? We share our five top tips<\/p>\n

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With costs on the rise, insurance is an expense that fleet managers simply can\u2019t avoid. Claims costs, for example, often account for a substantial percentage of fleet insurance and by reducing accident rates, is one of the most effective ways of driving down premiums.<\/p>\n

Easier said than done?<\/p>\n

These five tips can be used to control insurance rate hikes and improve your fleet safety:<\/p>\n

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1. Carry out regular assessments<\/b><\/h3>\n

The first step in driving down fleet insurance costs is to look at the stats. Data is your friend, so ensure that you have plenty of relevant, accurate information to hand to make risk assessments.<\/p>\n

Talk to your insurer for their viewpoint on your accident history. They may be able to benchmark your fleet accident rate against similar operations to determine how you compare.<\/p>\n

Utilise your own information and compile reports about the kind of incidents that have taken place<\/a>, the factors that caused them and if any common issues can be identified.<\/p>\n

And don\u2019t just look to the past. Ensure that you are recording all comprehensive information about incidents that take place on your fleet, and not just those that require claims.<\/p>\n

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2. Enforce minimum standards for driving<\/b><\/h3>\n

Good drivers cause fewer accidents<\/a> \u2013 and that, of course, leads to lower insurance premiums.<\/p>\n

As part of your duty of care, you should already have extensive fleet risk management measures in place<\/a> that cover your drivers. These should include regular driving licence checks to ensure that drivers have disclosed any convictions. You should especially take note of higher potential risks such as high mileage and younger drivers.<\/p>\n

Here, you are essentially trying to identify individuals and\/or groups that are heightening your accident rate. Review all available data and try to spot useful patterns.\u00a0Fleet management software<\/a>\u00a0can be one useful way to pull such data together and compile trend reports.<\/p>\n

Consider improving your drivers\u2019 road skills\u00a0<\/a>\u00a0by engaging them on safety. These may require additional, specific training or increase visible awareness of accident reduction and\u00a0driver safety tips<\/a>.<\/p>\n

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3. Target drivers who don\u2019t meet your standards<\/b><\/h3>\n

So, you\u2019ve carried out the first two tips and identified those drivers who don\u2019t meet your minimum standards or who appear to be have a higher accident rate. The next question is \u2013 what should you do about them?<\/p>\n

Consider adopting a policy of escalating measures to encourage safety on the road. These could include measures such as online\u00a0fleet driver safety training<\/a>\u00a0or even in-car tuition tactics.<\/p>\n

Drivers with a greater number of points on their license will need close monitoring to minimize the risk of additional penalties which could move them into a higher risk insurance category.<\/p>\n

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4. Monitor through software technology<\/b><\/h3>\n

There is a range of supporting technology available to hat can help to improve your accident rate, which will help in reducing your fleet insurance cost.<\/p>\n

On-board vehicle telematics and dashboard cams can evidence how your vehicles are being used in the real world. They provide data evidencing which drivers are most likely to speed regularly and brake suddenly, for example, and even help to establish who was at fault in an accident.<\/p>\n

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In average conditions, a car travelling at 60km\/hr will take 45m to stop in an emergency braking situation. A car braking from 65km\/hr will still be moving at close to 32km\/hr after 45m travelled.<\/a><\/p><\/blockquote>\n

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\"typical<\/p>\n

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Outside the vehicle,\u00a0fleet information management systems<\/a>\u00a0provide a comprehensive solution that can enable you to gather information and analyze it in a thorough and useful manner, creating relevant reports for both you and your insurer.<\/p>\n

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5. Review before renewing<\/b><\/h3>\n

The benefits of all your work will start to become apparent when you can illustrate that you are driving down your accident rate.<\/p>\n

Before you renew your fleet insurance, take the time to gather the relevant information to demonstrate your fleet safety management plans and show the strides you are making and ensure that you are keeping an ongoing dialogue in place with your insurer. As always, fleet management software is a great asset in efficiently achieving this.<\/p>\n

Good luck!<\/p>\n\n <\/div>\n<\/section>\n\n\n

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These five useful tactics could help you reduce your accidents – and even cut your fleet insurance premiums as a result…<\/p>\n","protected":false},"featured_media":2567,"menu_order":0,"template":"","training-cats":[34],"class_list":["post-2564","training","type-training","status-publish","has-post-thumbnail","hentry","training-cats-blog"],"acf":[],"yoast_head":"\nFleet Insurance \u2013 5 Tactics to Help Reduce Your Costs | Chevin<\/title>\n<meta name=\"description\" content=\"Save Money on Fleet Insurance! 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