Motor Fleet

We tailor claims reporting procedures to suit your organization and your different fleets (statutory vehicles, pool vehicles, machines, trucks).

To do this, you can report damage to your fleet vehicles via our extranet tool, our web app, but also by e-mail with a dedicated address or even by telephone. 
 

Each new vehicle must be integrated into your fleet and declared to Howden, so that we can update your fleet with regard to both your insurer and the Insured Vehicle File.

For this, as for claims reporting, your fleet managers can manage their vehicle additions in total autonomy via our extranet.

This is a simplification measure.

Until March 31, 2024, a policyholder can be fined for forgetting to replace the sticker on his windscreen, or for forgetting to carry his valid green card, even though he is fully compliant with his insurance obligation. However, a green card or sticker can be facially valid without the vehicle being insured, notably because the contract can be cancelled during the year.

This novelty is also part of a more global approach to reducing insurers' carbon footprint: it is estimated that the ecological cost of printing and mailing green cards (for around 50 million documents that will no longer need to be printed) is 1,200 tonnes of CO2, generating an estimated saving of €60 million.

Supervised driving is covered by your fleet contract, and your fleet managers can fill in and print out the accompanied driving certificates to provide to their personal insurers.

MLVs (Motorized land Vehicles) are defined by article L211-1 of the French Insurance Code (which incorporates Council Directive 72/166/EEC of April 24, 1972) as: “any self-propelled vehicle intended to travel on the ground and which can be driven by mechanical power without being connected to a track, as well as any trailer, even if not coupled”.

Examples of MLVs (whether or not subject to registration): cars, trucks, motorcycles, off-road motorcycles, quads, mopeds, solexes, farm tractors, harvesters, tillers, gyro-shredders, trailers, construction equipment, runway groomers, forklifts, ride-on mowers, electric scooters, gyropods, Hoverboards, monoroues, etc.

A certificate of insurance will continue to be issued automatically by HOWDEN for unregistered vehicles subject to compulsory insurance.

These include (but are not limited to) :

• MPTD (motorized personal transportation devices) e.g.: electric scooters, speedbikes, gyropodes, Hoverboards.
• All machines (e.g. category 2 construction machines) defined as motorized land vehicles, e.g. dumpers, compactors, backhoe loaders, loaders, scrapers, excavators, graders, tire or crawler cranes, rollers, bulldozers, etc...

This certificate will be based on the same model as your previous green card, and will contain the same information, but will be white in color.  This is the document you need to present to the police if you are required to take out insurance in France.

HOWDEN will send you a personalized document, in paper or electronic form, called the “Insured Vehicle Memo”, which contains all the information you need to complete an accident report. You can also obtain this document via your usual extranet access.

Unlike the green card, this document will not have a validity period, so it will not be sent out every year, as your green cards used to be.

This document will include the following mandatory data:

• Name and address of the insurance company
• Last name, first names and address of the policyholder
• Policy number
• Date of issue of document
• Effective date of cover
• Vehicle registration number
• Vehicle make and model
• If the contract covers both a vehicle and its trailers and semi-trailers[1], the type of trailer and semi-trailer.
• Where applicable, a statement to the effect that the vehicle is used for the private transport of passengers for hire or reward.

This document will also include a link to the public website https://www.fva-assurance.fr/ and the voice server number 01 83 64 32 22.

Remplir un constat amiable est essentiel pour formaliser les faits après un accident et faciliter la prise en charge par les assurances. Voici les étapes à suivre pour remplir correctement ce document :

• Assurez la sécurité des lieux: Placez les véhicules en sécurité, allumez vos feux de détresse et, si possible, mettez des triangles de signalisation pour avertir les autres conducteurs.
• Remplissez les informations générales : Notez la date, l’heure, le lieu précis de l’accident ainsi que les informations concernant les témoins éventuels.
• Identifiez les conducteurs et véhicules : Indiquez les noms, adresses, numéros de permis, assureurs et immatriculations des véhicules impliqués. Chaque conducteur doit compléter ses informations de manière claire et lisible.
• Décrivez les circonstances de l'accident : Dans le tableau central, cochez les cases correspondant aux manœuvres effectuées par chaque véhicule. Cette section est cruciale pour déterminer les responsabilités.
• Dessinez un croquis de l’accident : Schématisez la position des véhicules au moment de l’impact, en incluant les voies de circulation, les directions et tout autre détail pertinent.
• Évitez de signer si vous n’êtes pas d’accord : Si vous êtes en désaccord avec l’autre conducteur, vous pouvez remplir votre partie sans signer. Indiquez vos réserves dans la section "Observations" si nécessaire.
• Signez et faites signer le constat : Une fois toutes les informations remplies et vérifiées, chaque conducteur doit signer le constat pour le valider.