Claim Services
Administration and Negotiation
Your key partner in reducing claims costs
Rental fleet insurance costs are driven, in the main, by the cost of settling and administering claims. As vehicle rental has a high frequency of claims by the nature of constantly changing drivers, it is essential to be able to control the cost of incidents that occur.
Mostly, this is down to your insurers to use their skilled staff to keep costs down, but your broker and your staff can play a key part in helping reduce the overall cost.
Aon has long been involved in helping key insurance providers understand the subtleties of rental claims, which are simply not the same as other fleet claims. In some cases Aon will use its own experienced claims team in Rental Business Services to handle claims either on behalf of the insurer or on behalf of clients.
We offer two separate claims handling services - third party claims and a recovery services for your uninsured losses.
Third party motor claims handling service
Designed for companies participating directly in the cost of motor third party claims (self-insured risks).
Key benefits:
- Keeping costs down by using proactive handling techniques
- Expertise and data to help identify and tackle potential fraud cases
- Dedicated team solely handling rental claims - so aware of all hirer influences
- Focused on delivering results for your operation
- Regular statistics and claim records available
Our services include:
- Negotiating and settling motor liability property damage claims
- Negotiating and settling motor liability personal injury claims
- Managing assessors, investigators and solicitors involved in the claims process
- Managing and reconciling the claims fund
- Using clients' rental fleet for third party replacement vehicles
- Recording all details of each claim on our tailored rental claims system
- Providing claims data to client and insurer
- Analysing claims data and trends
Claim recovery service
When other drivers are clearly at fault for accidents causing damage to your vehicles and you have information to identify them, Aon can undertake to recover your uninsured losses, which are the repair costs or policy excess, and any loss of use you wish to claim.
Our experienced claims team is very successful in recovering such claims and will advise you on each case. You will need to supply evidence of your losses, but we will help formulate your claim prior to submission to the other party.
Key benefits:
- Free service for clients currently insuring their rental fleet through Aon's Rental Business Services, otherwise fees charged
- Removes the administration of this activity from your operation
- Ensures you minimise your accident costs
- Our team has access to previous case histories to help prove your claim if contested
Our services include:
- Contacting the third party and/or their insurers to hold them responsible
- Helping you calculate your claim
- Presenting your claim and argument for settlement
- Chasing if no reply
- Should the other side refuse to settle we will advise on your position to proceed with legal action (proceedings not included in our service)
Advice and support
We're on your side in controlling costs
Making claims is a complex process when you are dealing with clauses and conditions in contracts with insurers, plus the added problem of a separate binding contract between you and your customer, and possibly with your customer's own insurer. It is often made worse by confusing insurance industry jargon.
Our rental industry claims team can draw on well over 30 years of knowledge and experience to help you in even the most complicated claims processing.
Key benefits:
- Identifying ways to improve your claims processes
- Understanding how to reduce claim costs
- Keeping you informed on claims statistics
- Reviewing claims data to improve risk management practices
Our services:
- Providing guidance on claims procedures to help minimise costs
- Providing claims data
- Advice on complex or disputed claims
- Advice or review of effective claims processes
- Training available to improve staff knowledge of claims
- Guidance on identifying potentially fraudulent claims
- Market information on trends and changes affecting rental companies
To get a quotation now, visit our online quotation service, or contact our specialist Rental Business Services team on 0118 929 5064.