Regarding car fleet insurance in 2022, Verspieren points out at the outset: “There is not much variation in the capacity of insurers. In fact, the number of vehicles in the fleets remains the same from year to year. »For the record, in 2019, the reference year before the health crisis, the insurance des flottes could have 4,374,000 vehicles, compared to 43 million vehicles covered by single contracts, a total of 50,453,000 vehicles insured including weights. heavy and two-wheelers.
Asigurare: the narrowing of the offer
But for fleet insurance in 2022, the trend, observed for several years, remains the shrinking supply. “Actors are increasingly selecting risks and moving away from certain activities,” the insurance broker said. This is true for public passenger transport (TPV), public transport (TPM) or short-term rental (LCD), which are experiencing significant accidents.
Verspieren also recalls that for several years, “insurers have revised downwards the expected equilibrium levels in terms of claims. The equilibrium S / P (claims / premium ratio) is set at 60%, or even 45-50% for activities considered to be at risk, in order to be able to provide for the occurrence of an intensity claim. Unattainable numbers! »
The costs of repairs and personal injury
In addition, insurers take into account changes in repair costs. These have an increased effect of 6.7% between 2019 and 2020, with an increase of 8.1% for spare parts consumed, of 3.2% for the average hourly cost of labor, and 4.8% for the cost of repair-collision paint ingredients.
But the costs of repairs are not the only ones that pull the costs of insurance up. “It simply came to our notice then. It is the costs of RC (personal) claims that have a greater impact, ”says Verspieren. For whom the news remains the upward trend in the position of Assistance by Third Party (ATP).
New mobility and fleet insurance in 2022
“Indeed, there has been a sharp acceleration in inflation in recent years on all prejudicial posts and especially on ATP posts. This alone represents 45% of the total compensation. Added to this is a risk of an increase in the frequency of accidents related to the resurgence in the agglomeration of cyclists and scooter users. Indeed, the insurer notes a growing role in these new modes of traffic, which require insurers to adapt. In this context, we are of course thinking of two-wheelers and EDPMs entering their fleets.
Another development that is accentuated in 2022: the use of self-insurance. “This orientation has already begun at two and is going through the stages of increasing franchises, in particular due to the impact of non-recoverable insurance fees and management costs,” Verspieren points out. Who highlights, for self-insurance, positions such as breaking ice or stealing personal belongings and objects.
Other tracks to follow, highlighted by the broker: Pay how you drive, but also, again and again, the prevention of road hazards to drivers. With the key, for these prevention steps, a reduction in premiums and the results are in sight.