Ex-Tesla Insurance Europe | Ex-Zego | FCII | FCA • GFSC • MFSA Approved
Fleet Risk Management
Fleet portfolios deteriorate for specific, fixable reasons. Poor risk selection, inadequate driver risk management, and weak claims data lead to unsustainable loss ratios and rising renewal costs. We work with fleet operators and their insurers to diagnose what's driving the losses, and fix it.
For large corporate fleet operators, from logistics providers and delivery networks to utility companies, the total cost of risk has become a board-level issue. Outdated commercial motor placements leave operators exposed to spiralling premiums, unvalidated claims leakage, and misaligned incentives.
We work with CFOs and Fleet Managers to restructure how risk is transferred and retained. Drawing on our experience designing fleet insurance programmes at businesses like Zego, we know how to interrogate telematics data, build credible risk profiles, and present fleets to the reinsurance market on their own terms.
Where the data supports it, we help clients explore alternative structures, captives, bespoke fronting arrangements, and usage-based models, that allow large fleets to retain predictable frequency risk while maintaining catastrophe-level protection.
Our Approach
Feasibility studies and structural design for captive insurance vehicles to retain fleet risk and insulate against hard market cycles.
Translating raw fleet telematics data into actuarially sound risk narratives, enabling better conversations with capacity providers and more favourable renewal outcomes.
Advising on fleet claims process design to reduce lifecycle times, improve first notification of loss protocols, and control vehicle off-road downtime.
Designing multi-year, structured reinsurance solutions and aggregate deductibles for enterprise fleets that have outgrown the traditional commercial auto market.
Related Specialisms
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