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Motor fleet claims management
Howden supports you throughout the management of your claims.
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
La réduction de la durée d’immobilisation des véhicules
Parce que chaque organisation est différente, chaque parcours client l'est aussi et au sein d’un même groupe, Howden adapte les différentes spécificités de l’assuré en autant de parcours client. Le temps accordé par le conducteur/gestionnaire de parc/responsable des sinistres pour déclarer un dossier accident aux équipes d’Howden doit être le plus réduit possible et le canal de déclaration adapté à chaque organisation. Pour cela Howden co-construit votre parcours de déclaration spécifiquement selon l’organisation de votre entreprise, les outils mise à disposition de vos salariés, le profil de votre parc (engins, PL, SR) et votre activité (location courte ou longue durée, transport de marchandises, transport de voyageurs etc..). Ce scénario de gestion bati avec vous nous permet de guider et informer nos interlocuteurs clients tout au long du sinistre et de suivre les étapes d’avancement du dossier jusqu’à sa clôture.
Chaque dommage aux véhicules de vos parcs doit être évalué, il est nécessaire de connaître le coût global de vos réparations qu’elles soient assurées ou non. Nos réseaux d’expertises réalisent des expertises à distance (EAD) dès que la typologie des dommages le permet. A noter que la quasi-totalité des dommages de carrosserie sont éligibles à de l’EAD (excepté les dommages remettant en cause la sécurité du véhicule) et la quasi-totalité des véhicules peuvent être éligibles à l’expertise à distance (VL/ PL/ Bus) Tous les réparateurs agréés de nos réseaux de carrosserie sont habilités à faire de l’expertise à distance. De plus, notre WebApp à disposition de vos conducteurs vous permet de faire les photos des dommages au véhicule en 6 mns et peut éviter un passage du conducteur chez le réparateur.
La Direction Howden Flottes Automobiles a acquis des larges délégations de gestion du fait de ses très bonnes notations auprès de nos partenaires assureurs. Ces délégations nous permettent un règlement en quasi-autonomie des réparations soit en règlement direct à l’assuré soit aux garages, agréés ou pas. Notre gestion est ainsi rendue plus rapide et plus efficace et vos dossiers sont rapidement soldés.
Control of repair costs
We implement several strategies to ensure that your repair costs are controlled in all aspects.
Whether the costs are self-insured (Note: Our team of experts and actuaries helps determine your optimal level of self-insurance) or covered by your policy, they must be optimized as efficiently as possible to provide the insured with a clear understanding of the costs associated with accidental vehicle damage.
Howden has developed the first accredited bodywork network, which gives us access to nearly 3,000 establishments and allows us to cover the entire country.
The negotiated labor rates from our network are among the most competitive in the market, and the average repair cost we control ensures fair pricing, with consistent pricing across regions (based on a Paris/Province zoning system).
Our extensive range of services, including the provision of a courtesy vehicle under preferential conditions and home delivery services for your employees or company, also helps optimize costs and ensure the continuity of your business operations.
Parts from the circular economy (PCEC)
Our repair networks are all able to offer you solutions using reused parts.
A reused or second-hand part typically costs about one-third of the price of a new one. A reused part is one that "comes from an authorized End-of-Life Vehicle (ELV) center or is refurbished according to the manufacturer's specifications under the term 'standard exchange.'"
All parts distributors providing reused parts through our networks are, of course, certified QualiCert.
A specific follow-up for "recourse" claims
We regularly follow up with our contacts to obtain the repair invoices and ensure the success of your recourse claims with the insurer. These claims are given special attention during claims review sessions. We make sure that:
Vehicles that have been involved in a non-liable claim are repaired or, at a minimum, assessed by an expert.
Recourse claims are properly presented and collected within the two-year period, after which they are time-barred.
Contact
Étienne de Font-Réaulx
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.
