Why do you pay 1.85 euros for every euro of claims?
For many organisations, fleet insurance is a necessary cost item that is rarely examined critically. Yet this is exactly where significant savings are possible, if you know where to look. Practice shows that optimising fleet insurance need not be complex: by getting a grip on your own claims pattern, your insurance structure and the procurement process, companies easily save 20% without compromising cover or certainty.
What many fleet owners do not realise: they effectively finance their own claims. The insurance premium is based on the historical claims burden, increased by a surcharge that can run up to 85%. That surcharge consists of, among other things:
- Overhead and administration costs
- Claims handling costs
- Commissions and margins
- Insurance tax
Which three levers lower fleet insurance immediately?
- Reduce the claims burden through claim prevention: fewer claims directly means a lower premium base.
- Optimise the insurance structure and deductible: carry predictable, small claims yourself and insure only the real risks.
- Revise the procurement process and benchmark the premium: compare premiums and conditions market-wide instead of renewing automatically.
Where does grip on fleet insurance start?
Many organisations underestimate the potential to save on their fleet insurance. By gaining insight into your own claims, critically evaluating the insurance structure and organising the procurement process professionally, you realise immediately measurable savings. The good news: the process is less complex than often thought. With the right guidance, data and benchmarks, any organisation can get a grip on its fleet insurance within a short time.
The full whitepaper shows how to eliminate invisible costs, which steps you can take today and how to prevent your organisation from quietly overpaying. We are happy to send it to you; just get in touch.
How do you arrange fleet insurance internationally?
For organisations operating in multiple countries, fleet insurance brings extra challenges: differences in legislation, local insurance markets, tax structures and claims handling create complexity and increased cost risks.
As the exclusive Dutch partner of fleetcompetence Group, Molthoff Fleetmanagement is part of an international network of fleet and insurance specialists, with access to local expertise in more than 60 countries and central coordination with worldwide benchmark data. This ensures your international fleet insurance:
- Is set up efficiently and market-conform in every country
- Manages local risks and claims effectively
- Is fully aligned with your global fleet and mobility policy
This approach prevents unnecessary costs, compliance risks and inconsistencies within international fleets, while you stay in control of premiums, claims and conditions.
Download the whitepaper
Saving on your fleet insurance