A revolutionary innovation giving vehicle fleet operators the ability to pay insurance premiums directly to the way that their vehicles are driven. This approach to fleet insurance differs radically from current Pay As You Drive schemes where premiums are linked directly to vehicle mileage and previous claims experience.

Based on Key Performance Indicators (KPI’s) where the data relating to drivers and vehicles is categorised into league tables, driver performance indexes and pier rating tables. This data is then referred to a insurance rating tables to calculate the premium based on the risk on how the vehicle is driven.

Your premium is based on risk factors, including your declared maximum annual mileage. We monitor your driving continuously and provide a monthly report showing your performance against these risk factors. We set thresholds against risk factors and create warnings, or allocate points, depending on whether you are close to, or have exceeded the set thresholds. This is similar to the DVLA, driving license penalty points system.

The risk factors used are:

• Average Mileage
• Night Time Mileage
• Fast Driving