Motor fleet claims management

Howden supports you throughout the management of your claims.

Our compensation teams

+ de 35

people under the responsibility of a Director of Services

4

Managers

3

management sites in Paris, Annecy and Lorient

These teams are made up of experts in the management of material and bodily injury claims, and have acquired extensive management delegations with all the players in the market. Their day-to-day technical management is unanimously recognised by all insurers.

Claims management is independent of how the risk is financed. This means that customers can choose the insurance package best suited to their situation - between insurance and motor insurance - while being sure of a seamless and comprehensive customer experience, guaranteeing a high-quality service.

The management of motor claims by our Claims teams meets the two main expectations of a group and/or company with regard to business vehicle fleets:

Reduce vehicle downtime
Controlling repair costs

1. Reducing vehicle downtime

Because every organisation is different, so is every customer journey and, within the same group, Howden adapts the different policyholder characteristics to suit each customer journey.

The time taken by the driver/fleet manager/claims handler to report an accident to Howden teams should be kept to a minimum and the reporting channel adapted to each organisation.

To achieve this, Howden co-constructs your reporting path specifically according to the organisation of your company, the tools available to your employees, the profile of your fleet (vehicles, HGVs, HGVs) and your activity (short or long term rental, goods transport, passenger transport, etc.).

This management scenario, drawn up with you, enables us to guide and inform our customer contacts throughout the claim process, and to monitor the progress of the case through to its closure.

All damage to your fleet vehicles must be assessed, and you need to know the overall cost of your repairs, whether they are insured or not.

Our appraisal networks carry out remote appraisals (EAD) whenever the type of damage permits. It should be noted that virtually all bodywork damage is eligible for EAD (with the exception of damage that jeopardises the safety of the vehicle) and virtually all vehicles are eligible for remote appraisal (cars, lorries and buses).

All the approved repairers in our bodywork networks are authorised to carry out remote assessments.

What's more, our WebApp is available to your drivers, enabling you to take photos of the damage to the vehicle in just 6 minutes, which can save the driver a trip to the repairer.

The Howden Automotive Fleets Department has acquired extensive management delegations thanks to its very good ratings with our insurance partners. These delegations enable us to pay for repairs almost independently, either directly to the insured or to garages, whether approved or not. This makes our management faster and more efficient, and ensures that your claims are settled quickly.

2. Controlling repair costs

We use a number of levers to ensure that all aspects of your repair costs are kept under control.

Whether the costs are self-insured (NB: our experts and actuaries enable us to determine your best level of self-insurance) or insured by your policy, they must be optimised as closely as possible to enable policyholders to have a precise view of the costs associated with accidental damage to their vehicles.

Howden has developed the 1st approved bodyshop network which enables us to provide nearly 3,000 establishments and to cover the entire territory.

The negotiated costs of the MO rates of our networks are among the most competitive on the market and the average cost of repairs thus controlled guarantees a repair at a fair price and at an identical price whatever the region (according to a Paris / Province zoning).

The extensive range of services, including the provision of a courtesy vehicle on preferential terms and the provision of transport services to the employee's or your company's home, also enable you to optimise costs and continue your business.

Our repair networks are all able to offer you used parts solutions.

Used parts represent on average a third of the price of new parts. A used part is one that ‘comes from a government-approved end-of-life vehicle (ELV) centre or is reconditioned to manufacturer specifications under the name standard exchange’.

All the distributors of used parts supplied by our networks are, of course, QualiCert qualified.

We ensure that :

vehicles that have suffered an accident not at fault are repaired or, at the very least, appraised
claims are properly presented and collected, within the two-year period after which they become time-barred.

We regularly follow up with our contacts to obtain the repair invoices, so that you can pursue your claims with the insurer. These claims are the focus of our claims reviews.

Contact

Étienne de Font-Réaulx

Automobile Department Director

Étienne de Font-Réaulx

Automobile Department Director

Étienne, an ESC Grenoble graduate, began his career at AXA as a Senior Liability Underwriter for Key Accounts for 3 years. In 2011, he joined Théorème as a Client Manager, specializing in major automotive accounts, before becoming the Director of the Automobile Department (Production, Claims, Technical) in 2015.

Today, Étienne holds the position of Director of the Automobile Fleet specialty at Howden France.