Revealed: Why motorists choose telematics insurance

Revealed: Why motorists choose telematics insurance

Revealed: Why motorists choose telematics insurance

Telematics insurance has been on a steady rise for years now, and new research has revealed that the biggest reason why is … cost.

Almost half (47 per cent) of the 1,500 UK drivers that took part in a recent survey said cheaper car insurance was the main factor behind their decision to have a telematics-based insurance policy.

More than a third (36 per cent) said they opted for telematics insurance in case it helped track their car if it was stolen, while three in ten (31 per cent) hoped it would help with claim management after a car accident.

Over a quarter of the survey sample reckoned telematics insurance provided a financial incentive to drive safely (29 per cent) and help to increase self-awareness of their own driving style (27 per cent).

Separate research by BIBA (British Insurance Brokers’ Association) revealed there are now nearly one million telematics policies live in the UK – up by nearly 30 per cent on 2016’s figure.

Despite these obvious incentives, it seems the insurance sector still has work to do in terms of convincing UK drivers of telematics’ benefits – nearly 30 per cent of those surveyed stated they could think of no reasons to change from traditional motor insurance policies.

Dr Colin Smithers, chief executive of Redtail Telematics – which commissioned the survey, believes developments in the car insurance market have the potential to revolutionise the way we drive and how we guard against the risks of poor driver behaviour.

He commented: “The increased use of telematics has important implications for anyone who might consider taking up a a telematics-based insurance policy, policymakers and for society as a whole.

“Widespread use of telematics is also likely to lead to better driving and fewer fatalities.”

Jez Strong, general manager for Tele-Gence, commented: “The benefits of telematics are well documented, but it’s interesting to see why people are keen to include the tech in their insurance policy.”

Your business can benefit from affordable telematics with no hidden start-up fees or long-term commitments. Find out how at

Photo: plusphoto/iStock

Bus company fined £2.3 million after unfit driver killed two people

Telematics has the ability to flag up dangerous and unfit drivers, but a bus company has just been fined £2.3 million for failing to act on these warnings after an overworked driver crashed into a supermarket, killing two people.

Fleet News reports that Midland Red (South)’s telematics system had repeatedly raised issues over the standard of Kailish Chander’s driving.

In October 2015, Mr Chander mistook the accelerator for the brake pedal, leading to the fatal crash.

Mr Chander, who was 77 at the time and working more than 70 hours a week, was found to have been driving dangerously at a fact-finding trial in September. However, he could not be found guilty as the 80-year-old was deemed mentally unfit to stand trial.

Instead, he was subjected to a two-year supervision order, which means he will be under a social worker and a psychiatrist for the order’s duration.

Midland Red (South), which is part of the Stagecoach group, admitted breaching health and safety standards during a two-day hearing at Birmingham Crown Court.

At sentencing, judge Paul Farrer insisted that Midland Red (South) was well aware of Mr Chandler’s long hours and that this was affecting his quality of driving.

The company’s third-party telematics provider constantly flagged up issues with Chander’s driving, sending numerous letters to him on the matter. Eventually, a disciplinary process saw an instructor from the company’s driving school carry out a ‘mystery shopper’ style journey on one of his buses.

This resulted in Mr Chander being referred to extra training with a driving school.

During the training, he told the instructor he felt he was being asked to work too many hours. The instructor responded by advising Mr Chandler to refuse the work if he didn’t feel fit.

After the sentencing, Midland Red (South) managing director Phil Medlicott, accepted there had been multiple failings at his company.

“We bear the weight of our responsibility for this terrible tragedy; that’s why we made early guilty pleas,” he said, adding that “safety is and always will be our first concern”.

Mr Medlicott admitted there were “failures at an operational level in driver supervision and we deeply regret the opportunities that were missed to act decisively on emerging warning signs”.

Since the accident, Midland Red (South) has introduced a significantly more robust safety regime than what is required by law. Medical testing is now more frequent and there is a pre-medical review for older drivers, with appropriate checks being carried out every six months rather than on a statutory annual basis.

Stronger measures controlling working hours have also been put in place.

Jez Strong, general manager for Tele-Gence, commented: “All these changes following the accident don’t erase the fact that this whole episode may never had happened if warnings from the telematics company had been acted upon.”

Your business can benefit from affordable telematics with no hidden start-up fees or long-term commitments. Find out how at

Telematics helps slash teenage driver casualties fall by a third

Black box telematics insurance policies have helped dramatically reduce the number of young drivers killed or seriously injured in road traffic accidents.

Since 2011, road casualties involving drivers aged between 17 and 19 have dropped by over a third (35 per cent), compared to 16 per cent for the driving population as a whole.

Over the same seven years, the number of live telematics-based insurance policies has grown every year from 90,000 in 2011 to 975,000 in 2017. In short, that’s an increase of 983 per cent!

Additionally, road casualty rates in 17-19 year olds dropping by a third comes despite a ten per cent increase in the number of vehicles on the road between 2011 and 2016.

A spokesperson from LexisNexis Risk Solutions, which published the data, said the downward trend was fuelled by the increasing availability and adoption of telematics insurance.

“Young drivers remain the riskiest drivers on our roads but the insurance sector deserves a great deal of credit for developing an insurance product that encourages safer driving and delivers fairer pricing to young drivers based on their road behaviour,” they commented.

They went on to suggest that the safety benefits of telematics weren’t tied to age, adding: “The analysis provides evidence that telematics has had a real impact on the safety of young drivers and the potential it therefore offers to improve road safety standards for all motorists.”

Experts estimate that the cost of offering telematics has fallen by as much as half since 2013, while four in five consumers are comfortable with the idea of telematics insurance.

Jez Strong, general manager for Tele-Gence, commented: “It is encouraging to see that telematics is providing young drivers suitable insurance designed to meet their needs and reduce the number of young driver casualties.”

Your business can benefit from affordable telematics with no hidden start-up fees or long-term commitments. Find out how at

Fleet owners 'could fall foul of new London emissions charges'

Fleet owners ‘could fall foul of new London emissions charges’

Businesses that use vans could find themselves falling foul of new emissions regulations that are set to come into effect in London next year.

Cox Automotive said at an event co-hosted by the British Vehicle Rental and Leasing Association (BVRLA) and Transport for London (TfL) that it has found more than 80 per cent of vans on the road today will not be compliant with the rules of the London Ultra Low Emission Zone (ULEZ).

This could have a serious impact on company owners, who may find themselves having to pay significant fines if their drivers are regularly using older, less efficient vans on roads covered by the ULEZ.

The ULEZ will come into effect in central London on April 8th 2019 and is part of a drive to improve air quality.

Described as the most radical ever crackdown on vehicle emissions, it will initially apply to older petrol and diesel vehicles in the London congestion charge zone. However, unlike the C-Charge, it will apply 24 hours a day, seven days a week.

There has already been much criticism of the scheme, with those opposed pointing out that not everyone is even aware of the initiative, let alone has the resources to replace older vehicles at short notice in order to adhere to the low-emission regulations.

Director of communications and external relations at the BVRLA Toby Poston said: “TfL has an enormous task ahead of them to support the hundreds of small businesses who essentially rely on vans but will be caught out by the new Ultra-Low Emission Zone in a few months’ time.”

TfL’s James Ingram acknowledged that a key challenge will be businesses upgrading their fleet in time.

“That is why we have joined forces with the BVRLA to give smaller businesses as much support as we can to be ready, not just for the introduction of ULEZ, but for the long-term future as London moves towards becoming a zero-carbon city by 2050,” he added.

Surface transport is responsible for around a quarter of the UK’s carbon dioxide emissions and the EU has agreements with motor manufacturers in place that aim to reduce this pollution from new vehicles.

Many now have colour-coded labels to display how much CO2 they emit per kilometre to help buyers choose more environmentally-friendly models.


Rain, rain: bring it on! We have fleet drivers covered

The Met office is warning there will be a significant change in the autumnal weather this week, as Storm Diana moves from the Atlantic and is set to bring rain and gales to the UK, from Wednesday.

Here is some advice to your fleet drivers from IAM RoadSmart on how best to cope with it.



Heavy rain:

  • Heavy rain will affect your visibility, so take it slow. Rule 126 of the Highway Code states that the braking distance between yourself and the vehicle in front of you should be two seconds when driving on a dry road, and at least four seconds in the wet. It is even longer on icy surfaces. IAM RoadSmart recommends up to 10 times the braking distance when driving on ice.
  • Your windscreen should be clean, wipers effective and the jets positioned correctly and aimed at the screen. It is sensible to clean the windshield, make any necessary adjustments and remove anything from the main area before you start your journey.
  • A good rule of thumb is that if you need windscreen wipers, then you need your headlights. Automatic light settings will not always activate in lousy weather conditions, so it is up to you to make a sensible decision as to whether these need to be turned on.


  • If the water is standing in puddles on the road surface, your car is at risk of aquaplaning. Aquaplaning is where a wedge of water forms in front of the tyre and lifts off the road surface, causing the tread not to be able to displace the amount of water present. To recover form aquaplaning, ease gently off your accelerator, have a firm grip of the steering wheel and be sure not to make any sudden steering actions. The car will eventually regain its grip as the water clears.

rain puddle


  • First, ask yourself – can you take another route? If not, then you need to identify how deep the water is. If the standing water is more than six inches deep, avoid driving through it. If you are familiar with the road, you can judge the flood to the kerb.
  • If heavy rain was not the cause of the flood, then what was? Moreover, what impact on the road does it have? For example, if it is a burst water main, the standing water may look like a normal flood, but the road surface beneath the water may be completely broken up. If you are unsure how the surge has formed, then avoid it altogether.
  • Are there other vehicles similar to yours that are safely driving through the water? From this, make a judgement call as to whether it is safe to travel through or not.
  • If the water is fast flowing, do not attempt to drive through it, as there is a real danger of being swept off the road in your car.
  • If you have considered everything and decided to drive through the flood, be sure to do so slowly. The best approach is to press lightly on your clutch and add gentle pressure on your accelerator to increase your engine revs. Do so without increasing your speed, in a similar way to how you would undertake a hill start. Doing this will prevent water from entering your exhaust. If you are in an automatic car, accelerate slightly but control the speed with your brakes. When you have passed the flood, test your brakes to make sure they are dry and working correctly.
  • If you are in the slightest doubt, then turn around and don’t go through the flood. Often modern saloon cars have the air intake in the wheel arch, which may be below the water level. If your engine should take in water, it will take immediately hydro lock, and the vehicle will stop.
  • Remember to stay alert and avoid splashing pedestrians. If accidentally done – even when causing splashed when driving through puddles at the side of the road – you could receive a fixed penalty and three points on your license for driving without due care and attention or without reasonable consideration for other road users. If deliberately done, it could be a public order offence, a court appearance and a fine.

Choose telematics system

Planning for nasty weather can take much time. At My Fleet Solutions, we understand that managing a commercial fleet is more challenging than ever. Register with us for free, once the details of your vehicle are in place, you’ll have access to a nationwide garage network with significant savings on fleet servicing, maintenance, repairs and MOTs, at the right price for your vehicle.

My Fleet Solutions is here to step in when road traffic accidents occur. Register for free and if a crash does happen, feel safe in the knowledge that we will handle the first notification of loss, to ensure accurate insurance claims reporting. There is an accredited helpdesk primed to support distressed drivers. A network of courtesy cars to keep your fleet moving. Expertise to inspect, instruct and approve nominated or independent repairers. Moreover, by choosing My Fleet Solutions to claim and manage the insurance process and recover losses, you will have the incredible reassurance that incidents and accidents will not have a significant impact on your business or fleet.

At My Fleet Solutions, we also offer FCS Insurance Solutions, which is authorised and regulated by the Financial Conduct Authority (FCA licence number 759713). Through our parent company Fuel Card Services, we can negotiate more significant discounts and introduces quotes for all probabilities: Mixed Fleet Insurance, HGV Dedicated Insurance, Employer’s Liability Insurance, Product and Public Liability Insurance and Goods In Transit Insurance.

My Fleet Solutions is the one-stop solution to all your fleets needs and your drivers’ cares.

The post Rain, rain: bring it on! We have fleet drivers covered appeared first on FCS Media.