The motor fleet is one of the largest items on a company's insurance budget. Your customers therefore legitimately expect offers tailored to their environment and constraints, taking into account all the components of motor risk: from risk assessment to claims management.

Backed by our recognised expertise and our stable underwriting policy, as the 2nd largest player in the motor fleet insurance market, we take care to build dedicated solutions for fleets of 40 engines or more (or 20 engines or more for the Freight Transport business).

For each company, we offer you a high-quality, comprehensive contract tailored to your business, based on our extensive experience in this market.

1. Optimising downtime

Ensuring business continuity is the primary concern of your corporate customers. We therefore provide you with tools to reduce downtime:

• Assistance solutions adapted by Fidélia, the Covéa Group's assistance provider, with its portfolio of 12 million policyholders: a dedicated fleet telephone line, a replacement driver, an advance on bail, help in drawing up an accident report, psychological assistance following an accident or assault, etc.
• Remote expertise with the transmission of a photo catalogue (EAD express)
• Real-time tracking of repairs on your smartphone (Covisioto)

2. Control of repair costs

Over the last few years, repair costs have risen steadily by between 3% and 4%. To help your customers control these costs effectively, we offer them

• Our network of 280 independent experts, 127 of whom specialise in HGVs
• Our 4,230 approved PC-LV repairers and 186 approved HGV repairers, and 17 regional coordinators
• A technical research and training centre, which also has jurisdiction in major claims before the courts to reconstruct events.

3. Reduction in claims frequency

Prevention programmes carried out with Covéa Solutions Prévention are significantly improving the incidence of road risk, with observed frequency gains of up to 30%.

4. Adapting the insurance programme

Each of your corporate customers has a different financial capacity and maturity when it comes to motor risks. We work with you to put in place specific solutions to meet these needs, encouraging self-insurance to avoid unnecessary charges and taxes, and making those involved more responsible (conservation arrangements, third-party liability and property damage deductibles).

To ensure high-quality management, we provide you with a number of services that are real assets for your customers, including :

• Dedicated local contacts: specialists in large fleets, grouped together at two main sites in Paris and Le Mans, who can be contacted directly and who follow files from underwriting to renewal.
• Delegation of certain tasks: fleet movements, preparation of third-party liability files, management and settlement of damage claims, appointment of experts facilitated by the OneExpert claims management tool, etc.
• Feeding of the Insured Vehicle File (FVA) thanks to access to a fleet management internet customer area
• Optimised management of material claims: a team specialising in the field, claims opened without delay, full EDM files, specific monitoring of important cases, etc.
• The quickest and most accurate assessment of bodily injury claims: monitored by a team of specialists, we offer personalised support for seriously injured people to help them become independent and reintegrate into society (housing, environmental, new technology and socio-professional solutions).
• Automatic data transmission via EDI Claims for declarations and claims to save time and increase reliability.