Swift Incident Reporting: Minimising Costs for Fleet Clients
Learn how timely incident reporting reduces fleet insurance costs. Flock provides tools to help fleets lower claims expenses and stabilise premiums.

Learn how timely incident reporting reduces fleet insurance costs. Flock provides tools to help fleets lower claims expenses and stabilise premiums.
Here’s a scenario that might sound familiar: a courier finishes a delivery, and accidentally backs into a resident’s car. There’s a minor bump, but — not thinking much of it — the driver drives away, hoping for the best. His bumper is slightly dented, but he doesn’t consider it worth informing his fleet manager.
What he might not realise is that he’s accidentally caused damage to the resident’s car as well. Days later, the resident checks her video doorbell footage and discovers what happened. She then incurs costly repairs and rents a courtesy car whilst her own car is in the repair shop.
By the time the courier’s insurer learns of the claim, three weeks have passed. The driver can’t recall the details, and costs related to repairs and the courtesy car have skyrocketed.
Drivers often hesitate to report incidents swiftly; they fear this might affect their fleet’s insurance premiums, cause downtime for minor repairs, or increase administrative burdens.
The reality though, is that delaying claims notifications can be very costly.
In fact, delayed reporting can lead to a 40% increase in claim costs — something many fleets don’t realise.
Reporting incidents won’t affect your clients’ premiums unless they cause enough damage or injury to result in a claim. Educating your fleet clients about the claims process — and encouraging them to report even minor incidents promptly — can save them money on insurance premiums and enhance their loyalty to you as a broker.
Encouraging clients to report incidents promptly offers several benefits:
To help clients understand the link between incident reporting and insurance costs, you can:
In addition to the portal enhancements listed above, we’ve also prepared assets to help you emphasise the importance and benefits of prompt reporting to your fleet clients:
*Note: Early reporting excess reduction is available for fully comprehensive customers insured on our AND-i paper.
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