2. Just Fleet is a wholly owned subsidiary of Stonebridge Corporate Insurance Ltd who have over 10 years
experience in placing Commercial and Fleet polices into a variety of sectors The business was specifically
set up to assist with the ever present issue of fleet risk management, the cash for crash phenomenon and
spiralling insurance premiums for our commercial clients.
We are proud to play an active part in assisting businesses throughout the UK in driving down their
operational costs via the most advanced accident camera currently available:
• Specialising in 3rd Party Intervention and Fleet Risk Management
• Actively looking to reduce the overall operational cost of your fleet
• Capability to assess who is to blame at the scene of an accident
and begin mitigating potential losses immediately
Who we are.
3. • Incorrect allocation of blame
• Annual insurance premium increases
• 1 in 7 claims involve cash for crash
• Lack of witness & conflicting reports
• Lengthy liability disputes - long drawn out claims sitting on your experience
• Duty of care
Challenges currently faced.
4. Our 4 Step Solution:
Step 1- Instant Intervention - Through use of an integrated 3G accident camera, we ensure the monitoring of your
vehicles 24/7 therefore, if an accident occurs, within one hour we are in contact with your driver and the 3rd party
ensuring we are in control of the claim and importantly the costs.
Step 2 - Claims Management - Our preferential rates with courtesy vehicle suppliers offer up to a 50% reduction
in costs against the market average. This along with an average off the road time for repairs of 6 days assists in
maintaining minimal costs of hire and repair. 1% of our claims go to litigation and with G-Force technology in place
any exaggerated personal injury claims are successfully defended in court.
Step 3 – Risk Management - With the 3 level alert system our camera can capture consistent driving habits providing
you with monthly analysis and video footage to assist with driver training.
Step 4 – Insurance - Our method contributes to significant reductions in claims costs and ultimately your annual
insurance premium. Our monitor station works on the basis of Insurer delegated authority ensuring that claims are
settled within the minimal amount of time moving you away from the frustrating lengthy, and often expensive, claims
process. The reduced exposure to Insurers often ensures large contributions towards the cost of the cameras are
achievable.
5. Forward facing camera technology.
• 3G latest technology connectivity front facing camera system
• Instant notification of an incident
• German Manufactured
• ISO9001 / E Mark / Fire Tested to 95 degrees
• Low/Medium alerts stored on a server
• Speed data collected at 10 times per second
• Self-calibrating on ignition live
• 30hr Back-up battery
• 99% of updates configured over the air
• 100 meg of data per month (aggregated across the fleet)
6. Risk Management
• Monthly Reports
• Regular Claim Updates
• Dedicated Team
• 24hr monitoring
• Instant FNOL (first notification of loss)
• Delegated Authority
• Monthly MI Reports
7. MI Report Example 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
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
8. MI Report Example
kpiDash
Performance Dashboard - Inception until 31st December 2014
Code Metric Since inception Notes
Total Claims
TOTCLMS Total claims reported 1272
TPA Element
TPA-CAPT Captures 183
TPA-NOPP Non-opportunities 151
TPA-FAIL Failed captures 14
TPA-PEND Pending 55
TPA-NOT Not TPA 835
TP Capture Performance
TPA-CPR Capture ratio 93%
TP-RPC Average repair cost for captures £1,104.48
TP-HRC Average rental cost for captures £611.02
TP-CMC Combined cost of captures £1,715.50
CH-CST Average credit hire and repair cost based on MFS files £3,587.17 Composite figure based on similar risks.
TP-SAV-AV Average saving made where TPA services utilised £1,871.67
TP-SAV-TOT Total saving made where TPA services utilised £342,515.61
Telephony
TEL-IHPF Weekday calls answered within 30s 91%
TEL-AVANS Average weekday, in hours answer time 17.4s
TEL-ANSPC Proportion of weekday, in hours calls answered 99%
Service
SRV-ISS Proportion of incidents with no service issues raised 100%
SRV-CMP Proportion of incidents with no complaints raised 100%
9. Benefits of working
with JustFleet
• Conclusive evidence of what really happened within 20 minutes
• Start assessing and settling claims live from the scene 24 hours a day
• Settle claims within days and not months.
• Hire vehicles provided for fault incidents at realistic rates
• Use of impact speed and g-force to prevent or mitigate P.I claims
• Our insureds will issue bump cards to third party with a disclaimer
stating ‘This vehicle is fitted with Intelligent Telematic technology
– the video evidence incorporating HD visuals, exact impact speed
and g-forces will be used in claim settlement’
• Cameras proven to reduce claims costs by up to 60%
10. 6 Month Test on Frequency Reduction
& Claims Cost Savings
Total fleet size 550
Number of devices fitted 175
% of fleet protected 31.82%
Accident Frequency
Total reportable incidents 240
Incidents reported on “non- protected vehicles” 203
% reported on non-protected fleet 84.58%
Reported on protected fleet 37
% reported on protected fleet 15.42%
Total claims expected on protected fleet 31.82%
Total claim numbers expected on protected fleet 76
Proven reduction in accident numbers 39
Proven reduction in accident frequency 51.55%
Average Claim Costs
Cost incurred for vehicles with camera fitted £1,265.00
Cost incurred for vehicles without camera fitted £1,671.00
Proven reduction in cost per claim £406.00
Proven percentage reduction in costs 24.30%
Cost Saving Summary
Total claims prevented x average claim cost £49,795.00
Total claims costs prevented on vehicles with cameras £15,022.00
Total saving per protected vehicle over 6 months £370.38
