At a flat premium, a third of your fleet pays for the other two.
Your insurer sees an average: one fleet, one rate. Backlane measures every vehicle: real kilometres, usage, age, history. On a real 1,500-vehicle fleet, the risk gap runs from 1 to 7 between two vehicles. That gap can be corrected, and negotiated.
The average flattens everything
Your best vehicles subsidise the worst. The flat premium is a redistribution nobody voted for.
Blind renewal
Without numbers, the yearly negotiation amounts to absorbing the increase.
Loss ratio endured
Without per-vehicle measurement, impossible to know where to act: assignments, handovers, vehicles to watch.
Cover re-scores every vehicle with every kilometre: continuous measurement is what feeds the negotiation.
See the agent →What goes into the price, and what never will.
A fair premium is computed on the fleet's real usage. It is not computed on the back of an identified driver: that is the line we do not cross, and it is better written down before we sell it to you.
- Kilometres per day and per vehicle, over a rolling twelve months.
- Share of night driving, aggregated across the fleet.
- Harsh braking and acceleration, counted, never located.
- Speed and zone alerts, by volume.
- The fleet's past claims, frequency and average cost.
- Vehicle type, age and value, operating area.
- The driver's identity.
- Their trips, their hours, their stops.
- Their position, current or past.
- Any individual driving-behaviour score.
- Their private trips, which are not even located at collection.
Individual pricing based on an identified driver's behaviour would be profiling: it would require an impact assessment and an explicit clause in the rental contract. Until that framework is set with you, we do not do it, even where the data would technically allow it.
Are you a broker or an insurer?
Neither, today: Backlane provides risk analysis and file administration. Future Backlane Cover covers will be carried by licensed insurers and distributed after regulatory registration.
Are my drivers profiled?
No. No personal driver data enters the scores: vehicles and usage only. It is an architecture rule, not a promise.
Does this change anything with my current insurer?
Nothing, until you decide it does: the diagnostic hands you the map, and what you do with it at renewal is yours.
No commitment. Nothing changes with your current tools or insurer.