Aon’s Innovative Enterprise-Wide Solutions to Manage the Costs of Motor Risk

Risk complexity is increasing as trade, technology, weather, and workforce megatrends create opportunities and risks for operators of vehicle fleets. Making commercial decisions to grow revenue and profitability in this context can result in accumulation of hidden or unforeseen risks that impacts the balance sheet and erodes margin.

Aon’s motor risk solutions fit around your business and your data, regardless of your choice of provider. Using digital tools and multi-disciplinary expertise, we deliver analysis, actionable insight and pragmatic advice on risk exposure and quantify risk impact. We focus our capabilities on strategies that reduce incident frequency, making your business safer and avoiding business costs that enable you to unlock profitability and investment.

Reducing accident frequency multiplies savings and cost avoidance through safer driving and accident prevention:

  • Lower claims
  • Less off-road time
  • Lower training costs
  • Lower fuel usage and Co2 Emissions
  • Less tyre wear
  • Maintenance wear and tear

Headwinds for Commercial Fleet Operations

  • Commercial motor premium spend remains one of the largest contributors to risk budgets for operators of large on road commercial fleets.
  • The cost of on road fleet operations continues to grow as business pressures and external risk factors mean claims inflation is rising faster than underlying consumer prices.
  • Claims inflation for motor accidents is more than 14%.
  • The transition to net zero and increase in use of battery electric vehicles and cars presents capital, asset and increased cost of claims risks to business.

Taking Control of Costs

Aon helps organisations to manage these costs by taking an innovative data-led approach to identifying and quantifying these risks. This approach brings together different functions across the enterprise to have a single coherent understanding of cost of on road activity.

We do this by:

  • Supporting you to build out a more comprehensive model of motor total cost of risk (TCOR).
  • Communicating the interconnectivity between different functions and the costs incurred.
  • Developing strategies designed to impact the whole of the Motor TCOR.
  • Using our Client Leadership model to bring the capability to support your organisation’s management of drivers, fleet operations and executive functions.

Aon’s Risk Capital and Human Capital Solutions Supporting TCOR Reduction

Focus on the Driver:
  • Human Capital Solutions: Helping manage costs of recruitment, retention and safe driving through proprietary tools and expertise that identifies risk factors and guides organisations to finding the best attributes for their business needs.
Focus on the Fleet:

  • Motor Risk Insights – A unique Aon risk exposure and insights tool that aggregates telematics data from major1 telematics providers into a consistent Aon risk score. This helps organisations see risk trends over time, measure the impact of risk improvement strategies and create specific interventions where risk is concentrated.
  • Fleet Risk Profiler – Benchmarking your fleet risk management actions against best in class standards and claims performance to support risk improvement.
Focus on the Organisation:

  • Risk and Claims Consulting: Technical experts with subject matter expertise to guide and optimise your claims and risk management strategies.
  • Risk Finance and actuarial: Modelling of on-road claims costs, designing optimised programmes including non-conventional, deductibles and limits.
  • Captives: Supporting evaluation of alternative structures to finance motor TCOR and developing right-sized solutions based on your risk appetite and risk tolerance.

1Samba can integrate with over 40 large players which is about 60% of the UK market

Aon UK Limited is authorised and regulated by the Financial Conduct Authority. Aon UK Limited.

Registered in England and Wales. Registered number: 00210725. Registered Office: The Aon Centre, The Leadenhall Building, 122 Leadenhall Street, London EC3V 4AN.

FP.CORP.2025.382.CC