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New fleet insurance policy combines CCTV and telematics to cut claims

A new insurance policy that integrates front-facing CCTV and telematics to defend against non-fault and fraudulent claims is now available from commercial vehicle underwriter Direct Commercial Ltd (DCL).

A new insurance policy integrates front-facing CCTV and telematics

A new insurance policy integrates front-facing CCTV and telematics

Powered by front-facing CCTV and fleet tracking technology from VisionTrack, the Camatics solution provides policyholders with their own dedicated online portal and real-time app, instant FNOL alerts to speed up incident reporting and instant access to incident CCTV footage. This includes remote alerts to the DCL claims department in the event of an incident, enabling it to access footage to evaluate liability quickly and effectively, and act proactively to capture and manage third-party claims. This can reduce costs and ensure swifter claims resolution.

The solution is aimed at fleets running commercial vehicles but can also be deployed for business-use car fleets, such as estate agents.

DCL operations manager Chris Webb explained: “Vehicle CCTV and early notification of an incident gives our claims team the best possible opportunity to defend spurious and exaggerated third-party claims. In the event that you or your driver are liable for an incident there is potential to make huge savings on claim costs by preventing the involvement of third-party companies whose involvement often result in hugely inflated claims costs.”

“Our work with brokers indicates policyholders are sick and tired of the never-end roundabout of prices going up and premiums going up. We’re trying to introduce something that will break the cycle, reversing the price rises, bringing premiums down, with wide-ranging benefits for policy holders.”

The product launches as the industry as a whole is seeing increased interest in dashcam and fleet tracking solutions.

Webb added: “We’ve seen a change of focus. Even a few years ago, some businesses were nervous about going down this route as the drivers were saying they didn’t want cameras in their vehicle. Now the drivers are actually asking for it as they’re sick and tired of being exposed to non-fault and fraudulent claims.”

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Natalie Middleton

Natalie has worked as a fleet journalist for nearly 20 years, previously as assistant editor on the former Company Car magazine before joining Fleet World in 2006. Prior to this, she worked on a range of B2B titles, including Insurance Age and Insurance Day.