Motor Risk

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