This document analyzes claims data from inception to 31/12/2014. It shows that the top causes of incidents by number were client hitting a third party rear, collisions with objects/property, and third parties changing lanes. The top causes by incurred cost were client hitting third party rear, collisions with objects/property, and third parties changing lanes. Most incidents and incurred costs occurred in car parks, at company premises, and on motorways and A-roads. Over 60% of incidents involved own drivers while agency drivers accounted for 39% of incurred costs.

1. Claims analysis - Inception to 31/12/2014
Collision with
object /
property
Client hit TP
parked vehicle
TP changing
lanes
TP hit client
parked vehicle
Alleged
Incident
Client
changing lanes
Client
reversing
TP hit client
rear
Client hit TP
rear
Other
motorway
incident
Total 230 202 133 132 112 95 90 62 59 28
0
50
100
150
200
250
Numberofincidents
Top 10 incident causes by number of incidents
Client hit TP
rear
Collision with
object /
property
TP changing
lanes
Client hit TP
parked
vehicle
Client
changing
lanes
Alleged
Incident
Client
reversing
TP hit client
rear
Client turning
right
Other head
on collision
Total £632,155.42 £567,842.66 £335,032.22 £332,223.24 £274,499.66 £213,695.05 £94,629.85 £43,922.04 £37,356.65 £36,634.65
£-
£100,000.00
£200,000.00
£300,000.00
£400,000.00
£500,000.00
£600,000.00
£700,000.00
Totalincurred(paidandreserved)
Top 10 incident causes by total incurred
Motorway (blank)
A-road
(minor)
A-road
(major)
Car park
Company
Premises
Other Roundabout
Service
Station
B-road
Total £534,555.56 £465,017.74 £459,953.81 £392,905.35 £185,044.77 £166,928.25 £123,087.47 £112,191.63 £66,147.37 £65,022.20
£-
£100,000.00
£200,000.00
£300,000.00
£400,000.00
£500,000.00
£600,000.00
Totalincurred(paidandreserved)
Top ten incident locations by total incurred
Car park
Company
Premises
(blank) A-road (minor) Motorway A-road (major) Service Station Other Roundabout B-road
Total 226 185 183 137 132 123 70 68 57 36
0
50
100
150
200
250
Numberofincidents
Top 10 incident locations by number of incidents
Page 1

2. Claims analysis - Inception to 31/12/2014
Unit E Unit D Unit A Unit C Unit F Unit B
Total 232 223 221 215 215 188
0
50
100
150
200
250
Numberofincidents
Number of incidents by business unit
Unit D Unit F Unit E Unit C Unit A Unit B
Total £532,974.33 £508,922.29 £453,764.42 £429,707.30 £390,395.49 £369,496.51
£-
£100,000.00
£200,000.00
£300,000.00
£400,000.00
£500,000.00
£600,000.00
Totalincurred(paidandreserved)
Total incurred by business unit
Page 2

3. Claims analysis - Inception to 31/12/2014
19-30
9%
31-40
16%
41-50
21%
51-60
17%
Over 60
6%
Unknown
31%
Number of incidents by driver age band
£ Nil, £- , 0%
£1,001-£5,000, £1,033,312.96 ,
39%
£1-£1,000, £51,930.10 , 2%
£10,001-£20,000,
£274,611.56 , 10%
£5,001-£10,000,
£442,323.61 , 16%
Over £20,000, £883,082.11 , 33%
Total incurred by cost band
19-30, £217,330.86 , 8%
31-40, £439,085.24 , 16%
41-50, £460,818.17 , 17%
51-60, £316,826.65 ,
12%
Over 60, £122,536.79 , 5%
Unknown, £1,128,662.63 , 42%
Total incurred by driver age band
£ Nil
41%
£1-£1,000
8%
£1,001-£5,000
43%
£10,001-£20,000
2%
£5,001-£10,000
5%
Over £20,000
1%
Number of incidents by cost band
Page 3

4. Claims analysis - Inception to 31/12/2014
Disputing
Liability,
£837,086.84 ,
31%
Fault,
£1,822,235.35 ,
68%
Fault - No TPD,
£3,984.92 , 0%
Non fault, £13,400.00 , 1%
Non fault - No TPD,
£2,250.00 , 0%
Non-fault – No chance of
recovery, £- , 0%
Partial fault, £6,303.23 ,
0%
Partial fault - No TPD, £- , 0%
Total incurred by liability
Disputing
Liability
39%
Fault
49%
Fault - No TPD
1%
Non fault
10%
Non fault - No TPD
1%
Non-fault – No chance
of recovery
0%
Partial fault
0%
Partial fault - No
TPD
0%
Number of incidents by liability
Page 4

5. Claims analysis - Inception to 31/12/2014
Drivers with repeated incidents
Repeat drivers
Driver Number of incidents Total third party incurred
Peter 4 1,873.20£
Paul 3 -£
George 4 7,007.00£
Ringo 3 1,500.00£
Agency
28%
Unknown
12%
Own driver
60%
Number of incidents own drivers vs agency drivers
Agency, £1,039,983.91, 39%
Unknown,
£251,088.21, 9%
Own driver, £1,394,188.22, 52%
Total incurred own drivers vs agency drivers
Page 5