Some practical tips to blah, blah, blah........
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Test insurance
Excess - Offering to carry a higher excess on your policy could lower the premium as you would be agreeing to contribute towards the cost of any claim, for example by offering to pay the first £250 or £500 of any claim.
Eligible drivers - Restricting the number and type of drivers allowed to drive your vehicles could lead to savings, for example by excluding any drivers aged under 25 if you’re unlikely to need this.
Risk management - Demonstrating that you are managing risk in the business may lead to the insurer looking favourably on your commitment to risk and road safety, through initiatives such as:
And finally…
Suggestions welcome - Encourage all employees to come forward with suggestions for ways to save money. Maybe offer a prize for the best ideas.
Risk management services for QBE customers
QBE helps businesses build resilience through risk management and insurance.
Depending upon the size and complexity of the business needs, QBE customers can access a wide range of risk management services, self-assessment questionnaires and risk management toolkits which are focused on the key causes of claims, and on generating action plans for improved outcomes - including protecting employees, reducing risk and making claims less likely. You can find out more about how QBE helps businesses to manage risk here.
Need to claim? Report it early
Finally, a reminder that if you have an incident and need to make an insurance claim, it’s important that you report it as soon as possible, ideally the same day. Reporting a claim early can save time and help you to receive any claim payments faster, as well as allowing us to help mitigate the cost of third-party claims.
