Our telematics insurance solution uses technology to highlight the risks within your fleet. This black box scheme helps improve the safety and efficiency of your fleet, with savings on fuel consumption, maintenance and insurance premiums that reflect your lower risk.

We help to assess these risks and assist clients with devising a plan which provides effective driver feedback and coaching. We do this by looking at trends and patterns in driver data across your fleet rather than using it as a witch hunt against individuals.

Our in-vehicle telematics technology uses GPRS satellites to capture information about location, speed and distance, sent back to you in real time. It’s an important innovation that helps you to manage your fleet effectively by:

  • Maximising vehicle/business efficiency.
  • Improving driver behaviour.
  • Reducing overall fuel consumption.

Our Driver Risk Management system can help you to get the most out of your telematics service, by providing advice, training, effective reporting and driver incentive schemes.

Our solution requires you to have an approved telematics system from one of our recommended telematics providers. Trial units can be installed to demonstrate the effectiveness of the system to your team.

Fleet managers can see fuel savings of 10-15% and payback on the system within the first year.

Safety

Driver safety – Telematics systems can be much more than logistics and navigation tools. They have the potential to be a window into the daily safety performance of drivers, and enable risk assessment in the same way on-site personnel are assessed – through observation, feedback and coaching.

Accident frequency and severity – identify unsafe or risky driving behaviours that can lead to accidents and loss costs. Our telematics solution can show you ways to provide constructive feedback and effectively coach your drivers to help mitigate those risks.

Operational efficiency

Fuel efficiency, routing and logistics – Telematics can show how and where vehicles are being used. This information can help establish more efficient routes that may improve customer delivery times, improve driver productivity and even reduce fuel consumption by reducing unwanted stops and idle time.

Vehicle maintenance – Telematics devices can identify costly or inefficient driving styles that may cause unnecessary wear and tear, and provide advance alerts of potential vehicle problems as well as routine maintenance to reduce vehicle outages.

Stolen vehicle retrieval – Telematics allow for the tracking of a vehicle’s location in the event of a theft, potentially preventing further theft of its contents or removal of parts.

Insurance savings

Insurance costs – If used effectively, telematics devices can help business owners and fleet managers reduce the frequency of accidents which can result in lower loss costs, thereby reducing insurance costs. And, while the presence of a telematics device alone will not impact your rates, using the device to monitor and coach your drivers can lead to a discounted rate.

Additional insurance covers available:

  • Goods in transit insurance
  • Public liability
  • Employer liability
  • Business property – for your buildings and/or contents of your business premises
  • Legal expenses
  • Engineering – for unforeseen damage including breakdown for commercial vehicle mounted cranes, grabs, etc. and statutory inspection
  • Income protection in the event of personal accident, sickness or loss of licence
  • Breakdown recovery
  • Business interruption insurance
Typical Exclusions:
  • Claims for liability that you have assumed in contract, unless you would have incurred the same liability without entering into the contract
  • Theft if keys left in or on the vehicle
  • Goods in transit – theft of property from unattended vehicles, unless the vehicle is in a locked building or compound controlled by security personnel
  • Income protection – cover is subject to a declaration of health and may be offered excluding any illness or injury that existed on the date of entry into the scheme or at each renewal
  • Income protection – loss of licence must occur within 2 years of sickness or injury for the benefit to become payable

These are just some of the key exclusions/limitations, full details can be found in the policy wordings.

We have a telematics system fitted to our vehicles, can we join the scheme?

The system needs to be from one  of our recommended partners, who have been chosen for their system capabilities and high levels of customer service. Your system will need to provide driver behaviour data so that targeted risk management strategies can be produced.

Do we need driver ID installed?

It’s not necessary, as long as you can allocate a single vehicle to each driver. We can also install telematics devices on multi-driver vehicles, using the latest driver tagging technology. Contact us for details.

What risk management tools can Adler Insurance offer?

Driver training – to compliment a driver training programme by measuring risk and hazard awareness of your drivers, highlighting which drivers need further training. League tables can also be created to help motivate your drivers.

Accident recording cameras – your indisputable witness in the case of an accident.

Driver profiling – to help ascertain which drivers are performing best and which drivers need further training. League tables can also be created to help incentivise your drivers.

Health and safety consultancy – to identify and counteract risks to your business as well as ensuring you are up to date on the latest health and safety legislation affecting your business.

Fleet management consultancy – to review and suggest ways to get maximum efficiency out of your fleet and control running costs.

Many other risk management tools are available.

With Adler Insurance, you can be confident that, in the event of the worst happening, your claim will be handled by our vehicle claims team offering a fast and efficient service.

Simply contact the claims team using the details within your policy documents, or call us on 0844 248 9341 to speak directly to a claims handler. They will talk things through with you, guiding you through your next steps and the whole process.

It is important to report all incidents to your insurers, including cases where there is little or no damage to your vehicle. This will help your insurance company to defend you against claims made by a third party.

To report an incident at any time, day or night, please call our claims line using the telephone number shown on your claims card. Your claims card should be kept in your vehicle at all times so you are able to report incidents as quickly as possible.

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