Fleet insurers look for evidence that risk is actively managed rather than left entirely to individual drivers.
1. Licence and eligibility checks
Check licences at recruitment and regularly thereafter, with higher-frequency checks for higher-risk drivers.
2. Clear driving policies
Document expectations on mobile phones, speed, fatigue, vehicle use, collisions and reporting.
3. Vehicle maintenance
Use planned inspections, defect reporting and prompt repairs supported by records.
4. Review Every Fleet Incident
Investigate collisions and near misses to identify preventable causes.
5. Management information
Track claim frequency, cost, driver trends, vehicle type and location.