Telematics data can help to reduce risk across an organisation’s fleet. But, as Aon’s Helen Povah, public sector client management director, and Marc Spurling, director of future mobility strategy, explain, extracting actionable insight is key to delivering data-driven and successful risk management strategies.
Vehicle technology, such as telematics and connected vehicles, means fleet managers now have access to huge volumes of data. But, to really understand and manage risk, it’s important to avoid ‘data fatigue’.
To address this and help organisations better understand risk across their fleets, Aon UK has launched Motor Risk Insights. The tool provides clients with actionable insights that can help them manage risk and, by targeting interventions based on the specific risk profile of their fleet, help them reduce accidents and total cost of risk.
Delivering data insights
The Motor Risk Insights tool, which is compatible with more than 40 different telematics providers, pulls together data from the telematics devices across an organisation’s fleet. This data, which includes risk events such as speed, braking and, where applicable, risk alerts from dash cameras, is converted into a simple, explainable risk score.
Once the data is validated, using proprietary algorithms and risk weighting, it is delivered to Aon through a dashboard, showing normalised risk trends in specific areas of motor risk. The scoring is RAG rated, showing quickly where changes in risk profile occur. Risk exposure can then be compared with the risk events to get a detailed picture of risk across the client’s fleet of vehicles.
All the data is dynamic and can be interrogated to gain a deeper insight into trends. This includes the ability to highlight specific risk factors and generate an interactive map of risk events.
The tool was developed following extensive research over the past three years, factoring in insurer and client feedback on what they considered most valuable when it comes to managing the cost of motor risk. The across-the-market approach means it can accommodate fleets that use more than one telematics system. Rather than having to manage separate reports from each system, it will consolidate the data so fleet managers can see trends quickly and easily.
Benefits of data insights
These data insights deliver significant benefits for organisations. Being able to identify and target risk across the fleet helps to drive improvements in safety, leading to reductions in claims and lower costs associated with insurance and risk.
As an example, an organisation’s data might highlight riskier driving behaviour such as significant speeding (more than 10mph above a posted speed limit), showing the percentage of the organisation’s drivers are exhibiting this poor behaviour.
To address this, the fleet manager could introduce training, targeting the drivers with the highest scores with one-to-one action plans, while running a general speed awareness programme for the next cohort of drivers who show less significant risk.
Rather than taking all drivers off the road for general training, this enables an organisation to target specific behaviours across the fleet. This makes it a much more cost-effective way of changing behaviour and reducing risk.
Research by SambaSafety supports this (1). It found that 72% of fleets surveyed found the combination of telematics and driver training had directly resulted in a reduction in crashes and claims
Understanding risk across the fleet also helps an organisation shape vehicle policy. For example, if an organisation sees a spike in accidents at certain times of the year, on certain roads, or where vehicles are shared, it could consider taking appropriate action to reduce these risks. We have used the tool to shape discussions with clients about how they might consider adjusting their risk management policies to allow increased engagement on specific risk factors.
Targeting risk also helps the conversation with insurers. The insurance sector is often perceived to focus on the negative. Through this tool, an organisation can show that a high proportion of a fleet follow its risk management practices and consistently drive safely.
By demonstrating the organisation is proactively managing risk across its fleet, an underwriter may have increased confidence in its approach and consider offering improved terms and pricing. Again, this feeds into lower costs for the organisation.
Driving results
We’ve already seen some positive results from a series of pilots we ran across different fleets in 2024. While the organisations had good overall risk scores, some identified pockets of behaviour that could be targeted through positive interventions such as training, driver incentives or changes to policies.
This highlights the value of credible data analysis and working with trusted risk advisers who can provide essential insights. By identifying trends early, and taking data-driven decisions, organisations can improve risk and drive down costs.
More information
To find out more about how Aon’s Motor Risk Insights could benefit your organisation and its fleet drivers, speak to your Aon account manager or contact Helen Povah or Marc Spurling
(1) New Telematics Statistics: How Driver Data Impacts Fleet Safety
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This article has been compiled using information available to us up to 25/02/2025.
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