Motor Risk

Ready to make a difference?

Drive secure with Motor Risk

Motor Risk covers a multitude of areas. It can best be described as road safety, which not only covers the drivers themselves but also the vehicles they’re driving. We’ll help businesses improve their road safety culture, with a particular focus on reducing the total cost of risk, improving claims experiences, and saving the business money. We’ll achieve this by looking at how best to reduce road traffic collisions (RTCs) from occurring in the first place, or if they do, mitigating the impact.

Whether it’s a motor claims app to reduce reporting times and enhance the quality of that report or providing a ‘deep dive’ workshop to understand the reasons for RTCs or slow speed manoeuvre (SSM) incidents, to offering the latest vehicle camera and telematic technology, we have a menu of services that caters for all situations.

Risk Management’s three-step approach

Step 1


By identifying potential business risks and understanding where threats are coming from, we know how best to help. While difficult truths and feedback may be tough to take on board, every recommendation we present is designed to show the impact of inaction, and the power of understanding and addressing problems.

Step 2


We’ll need to know more about your business and the specific problems you’re facing, so we can offer targeted and tailored solutions.
 

Step 3


Once in situ as your trusted risk management partner, we’ll start to make things better. We’ll leverage our deep industry knowledge, experience, and innovative approach to develop and deliver customised solutions that effectively address the risks and weaknesses that are (or soon will be) impacting your business.

Our solutions

Our Motor Risk pillar is made up of three packages to suit any size business. Take a look at them below.

This basic package includes an audit meeting and assessment where an account executive will identify all risk areas, current procedures and safety training opportunities, as well as explain how and where improvements can be made to reduce those risks.

We’ll get to the heart of your claims history and review your vehicle profiles, so you have a takeaway action plan and the benefit of knowing how to improve driver safety and compliance while reducing insurance costs. At the heart of the ‘Identify’ package is the motor risk audit. An audit which is completed by a Howden risk consultant. The audit is a one-off but can be repeated on request annually. The outcome is a report and action plan which will advise on:

  • The organisation’s overall operational need for vehicles, their use, and ownership
  • The management structure and responsibilities, including driver profiling
  • Incident reporting, investigation, and claims processes
  • The existing motor risk management systems
  • The current motor risk management policy and procedures
  • Driver, vehicle, and journey risk assessments, plus safe systems of work
  • Driver and vehicle compliance systems and records
  • Training requirements and records
  • Vehicle requirements and suitability
  • Journey planning and management
  • Use of vehicle technology (telematics, cameras, safety systems etc) and its effectiveness
  • Vehicle security

Moving up to the next tier, the enhanced “Minimise” package, includes the motor risk audit in the ‘Identify’ package but then concentrates on a specific focus area following a deep dive workshop review. This intense session allows us to identify strategies and actions then deliver a solution that reduces a particular fleet management pain point – for example slow speed manoeuvres.

By putting your current and historic claims and collision data under the microscope, we can identify trends and suggest with confidence where and how more robust risk intervention is required. 
As well as including the motor risk audit from the ‘identify’ package, ‘Minimise’ also includes access to email and telephone support with the Motor Risk team, a pre-renewal update and a deep dive workshop, which will be on a topic most relevant for your business. Our deep dive workshops can be hugely beneficial for a number of reasons:

  • Reducing claims frequency/slow speed manoeuvring
  • Practical use of vehicle technology and telematics/camera data
  • Improving communication with management and drivers
  • Ensuring effective drivers via a training workshop
  • Recruitment, induction and training
  • Managing driver fatigue and distraction
  • Identifying and managing grey fleet exposure

Our premium top-tier Motor Risk package offers additional and enhanced support, driver training and consultancy services. On top of all the benefits of the two other packages, you’ll have access to a virtual risk management service so your immediate motor risk issues can be addressed and solved quickly and efficiently. 

In addition, we’ll build a value-rich and personal relationship with you, offering insight, advice, and training for your team on crash avoidance strategies, better employee engagement, and claims management – thereby enriching and enhancing a workplace culture of continuous improvement and swift risk resolution. 

Deploying the “Prevent” package also leads to enhanced consultancy access which can cover a range of subjects including:

  • Improving driver behaviour through safety cultures
  • Effective use of telematics, cameras and technology
  • Improving grey fleet management
  • Driver health and wellbeing
  • How to operate a safe fleet

In addition, we’ll advise on:

  • Preparing for insurers or accreditation 
  • Bespoke policy documentation/risk assessment/procedures
  • Root cause analysis/incident investigation/claims defensibility
  • Improved communication with management and drivers
  • Raising the importance of motor risk management and management responsibilities
  • Effective recruitment/induction/training, tailored to your requirements
motor risk

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What to do if you are experiencing financial difficulties

We recognise that the current economic conditions are putting pressure on many households and businesses. At Howden, we are committed to finding ways to assist our customers who may require additional support during these times.

If you’re currently facing financial difficulty, please speak to us about your insurance policies by:-

-contacting your Howden Service Team; 
-calling Howden on 020 7623 3806;
-using the Enquiry form.