Insurance has stopped being a fixed overhead for most fleets. It is a read on your claims history, your incident frequency, and whether you can prove what happened.
MANTIS and LEVL Telematics ran a webinar on exactly that. It is now available to watch on demand.
What loss ratio is
Claims cost measured against premium paid. High, and the fleet costs more to insure.
It gets described as an insurance metric. It is closer to an operational one, because what moves it is driver behaviour, incident frequency, the quality of your evidence and how fast you respond.
Why premiums keep rising
Claims costs, repair costs, downtime, fraud and legal expenses are all up.
Underneath that, most fleets still deal with incidents after the fact. Without evidence a disputed claim is hard to challenge. Without connected data, risk stays invisible until it becomes an incident. Without quick access to footage a claim that should have closed in days runs for months and costs accordingly.
What Matthew Vass and Andrew Pearce covered
**Preventing incidents.** Telematics and camera data together show risk patterns before they turn into claims: harsh braking, speeding, distraction, fatigue, tailgating. Seeing it early enough to coach is the whole point.
**Proving what happened.** Without footage you are working from incomplete reports and conflicting accounts. With it you have one version that does not change depending on who is telling it.
**Closing claims faster.** Delay adds hire costs, storage, legal time and admin. Evidence in the insurer’s hands quickly is what shortens the process.
Who it is for
Anyone responsible for fleet safety, operations, risk, compliance or insurance performance.
LEVL brings the telematics side, MANTIS the camera and evidence side. The session covers what is driving premium pressure, what each kind of data is good for, and what an operator can do about it.
Watch on demand
Click here to watch now.