17/02/2025
How using a smartphone and claims app can work for your business
The rising cost of motor claims is an issue for insurers and businesses across the UK.
Increasing repair costs, credit hire companies acting on behalf of ‘non-fault’ parties, and the cost of injury claims lead to high claims costs, leading to increased premiums.
But plenty can be done to help, including acting quickly when a claim needs to be made.
One Broker has championed FNOL (First Notification of Loss) for many years to control these costs and minimise their impact on increasing premiums for its clients.
In short, the sooner your insurer has the key information it needs to manage a claim, the sooner it can take control and mitigate the costs.
Roadside reporting (from the scene) has always been viewed as the most efficient method, and there are increasingly modern ways to get the key information to your insurer right away.
Introducing smartphone-based “app” claims reporting
Over the last few years, increasingly simple and effective solutions have been developed to report claims via smartphone apps.
Pros
- The app can act as a digital claims form, which stores driver information (ready for a claim to be reported)
- The app is designed for simplicity and guides the driver through the core information needed
- It gives you the ability to send the report to your Transport office, Broker, and Insurer (or all of them at once)
- This efficient method of quick reporting could reduce your time managing claims
Cons
- Drivers may not need to make a claim for some time, so training and deployment of the app is key
- The information recorded must be accurate to avoid incorrect or inadequate reporting
- This may not appeal to drivers who are not familiar with using smartphones
The great news is that One Broker has an app-led solution available to its clients.
We provide this free of charge as part of our ongoing commitment to making the claims journey as functional and pain-free as possible for our clients.
Although most suited to businesses with a fleet of vehicles and many drivers, it may need careful deployment and regular reinforcement with your drivers to maximise its benefit.
The team at One Broker can help with every step of the process and ensure that you and your drivers can fully take advantage of this. This will ensure that your company functions more efficiently than ever and helps reduce insurance costs.
If you would like to discuss how we can help you or discuss claims reporting in more detail, please get in touch on 01603 218228. We would love to help you.
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