HaulTech’s vehicle CCTV solutions are helping fleets across the UK to protect their insurance premiums by mitigating false claims and positively changing driver behaviour.
Fleet operators commonly ask if insurers will provide a discount for having a dash cam installed. Insurers calculate premiums based on a drivers risk profile, which is a summary of the drivers history. The risk profile includes considerations such as, past claims, where a vehicle is parked overnight, the type of vehicle, amongst other statistics. If a driver has a history of making claims, their premiums are likely to be higher. Adding a camera solution to vehicles can protect or potentally reduce insurance premiums in certain circumstances. HaulTech’s vehicle camera solutions are designed to help company car, van and truck operators across the UK to improve their insurance experience which can have a positive impact on their employer’s bottom line.
According to reports insurance claims rose by 9% last year. Vehicle cameras help drivers to mitigate false claims and protect their insurance premium. Footage caught on a camera solution can be submitted to an insurer which can prove a driver’s innocence and help to settle a disputed claim or provide evidence of who was actually at fault.
In the case that a driver is responsible for a road incident they can use the footage to report First Notice of Loss (FNOL) to their insurer. If the driver responsible for the accident reports the FNOL, their insurance provider can get ahead of the forthcoming claim and resolve it more efficiently and cost effectively.
HaulTech’s integrated vehicle CCTV and tracking solution system, TrakMan, providers an insight into driver performance. The solution prepares behaviour scorecards and allow companies and their drivers to focus on training and education efforts. With this steer towards improving a driver’s road skills, the road risk decreases. As driver behaviour improves over time, their risk profile and claims history reflects this. As insurance premiums are based on risk any positive improvements could be rewarded.
HaulTech provide tamperproof commercial grade dashcams through to 360° vehicle CCTV systems all of which ensure drivers, their employers and insurers are covered from all angles. A picture paints a thousand words. Over the last 9 years HaulTech’s vehicle camera technology has assisted companies by providing them defense against false accusations and has helped to prosecute unsafe road users.