Fleet risk manager1/10/2024 ![]() They all know what I expect of them and, if they don’t come up to scratch, I tell them. I know all our service providers well and we have a good working relationship. What has been your experience of working with Brightmile? It only reports data on your business trips and that’s a really big selling point. It’s not so bad when they are at work, but they also have their vehicles for personal use. When it comes to company cars, telematics is very difficult to sell. People don’t tend to mind the forward facing camera as it protects them in collisions, but the inward facing camera can be seen as intrusive. It comes with cameras more than anything. How do you feel about the Big Brother aspects of telematics? That’s when you can see some real benefits on collision rates. So it’s really about choosing the right provider and helping to ensure that it is correctly implemented. There are also many telematics providers who focus on driver tracking and vehicle maintenance but don’t really have an impact on safety. But all too often we see businesses who do not know what to do with the data. What is your view on telematics?Įssentially, my view on telematics is that if you’re ready for it, you’re going to use it properly and actually have some feedback for drivers, it’s excellent. I’ve also experienced being on a long journey in my electric vehicle when all the instruments went blank - it turned out it was having a software upgrade. For example, the tech in autonomous vehicles can be hacked. These are completely new risks and present new challenges for an insurer. That’s been a big change over the past 12 months and from next year, autonomous vehicles will be on roads with no safety drivers. When we underwrite one of these risks, I’m the one that has to review the safety case. It has a public roadway around the exhibition centre and it’s ideal to get this type of technology embedded. For example, Solihull Council in Birmingham bought an autonomous vehicle recently for the NEC. Likewise, AXA is becoming the go-to company for autonomous vehicles and we insure some very high profile projects. What will change for insurers in the coming years?Įlectric vehicles are very much on the radar with insurers releasing commercial fleet electric vehicle products. So we are trying to take a more proactive approach. AXA’s strategy is “payer to partner”, partnering with clients to prevent risk rather than simply paying the bills. Now, when you’re pitching for business or renewals, the premium is still important, but there’s more emphasis on services and risk management. They’d always needed insurance, but there wasn’t the focus on motor fleet risk management. Then big clients like AstraZeneca, Shell and BOC started to realise that if they had fatalities and injuries, they were coming from fleet. ![]() Ten to 15 years ago very few insurers had any focus on motor, it was always on property and casualty/liability. How has the role of the insurer developed in terms of risk management? I then started working in insurance with QBE before AXA offered me a global role in 2013. Then I had my own business in fleet risk management for 20 years until our biggest competitor bought us out. I was part of the motorway traffic unit and had the opportunity to educate before using enforcement. It began when I joined Cheshire police and worked in traffic. What’s your background and experience in fleet risk management? That’s how I came across Brightmile - if we get a car or light van fleet and they want to really understand what’s going on with the way people are driving, then Brightmile’s the ideal thing and I’ll play a facilitator role. I would undertake background research and look at their claims, their fleet and resources. To give an example, a client might want to introduce some form of telematics or cameras. What is your role at AXA?ĪXA is one of the top-three companies in terms of commercial fleet insurance in the UK, and my role is to help our clients with fleet risk management projects and service providers. What role does technology play in fleet risk management and what change can we expect in the coming years? Steve Smethurst interviewed Doug Jenkins, who is the Motor Technical Risk Manager at AXA and one of the leading and most experienced authorities on this topic. We discussed Fleet Risk Management from a leading insurer's perspective.
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