2016 Star Ratings Motor Fleet Insurance Discussion paper
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1 2016 Star Ratings Motor Fleet Insurance Discussion paper Defaqto Limited All rights reserved. No parts of this publication may be reproduced in any form by any means, whether electronic, mechanical, optical or any other, or be stored in a retrieval system without the express written permission of the publisher. The publisher has taken all reasonable measures to ensure the accuracy of the information and Ratings in this document and cannot accept responsibility or liability for errors in or omission from any information given and for any consequences arising.
2 About this document This document outlines the key developments and trends that will inform the criteria we use for the 2016 Star Ratings for Motor Fleet Insurance and, based on these, sets out the areas where we would like to consult the industry as part of ensuring that our ratings process remains robust and transparent. 2
3 Key developments and trends The market We have reviewed developments in the motor fleet insurance market, considering legislation and regulation, provider changes, and motor fleet insurance products and have concluded that there has been no significant changes. Legislation and regulation There have been no legislative changes or FCA review into the motor fleet insurance market that would change our thinking towards the Star Rating criteria that is being considered for Providers The motor fleet market has seen a small increase in provider numbers when comparing 2010 to Star Ratings Product Area 2010 no. of providers 2015 no. of providers % Change Motor Fleet Insurance % Products/propositions In addition to the increase in providers we have also seen increases in the number of products available, with a small number offering differing levels of cover aimed at different type of fleet customers. Star Ratings Product Area 2010 no. of products 2015 no. of products % Change Motor Fleet Insurance % 3
4 Key implications for the 2016 Ratings process Product area weightings The criteria have been split into the following areas in order to show the weightings for each within the ratings: Rating area 2014 No. of 2014 % share of Star Rating Features 2015 No. of 2015 % share of 2016 No. of 2016 % share of Policy Cover 30 47% 29 47% 29 47% Accident Management Services 18 28% 18 29% 18 29% Policy Excesses/Terms 10 15% 10 16% 10 16% Policy Add-ons 5 8% 5 6% 5 6% Helpline Services 1 2% 1 2% 1 2% Total % % % At each Star Rating review we consider market changes and the relevance of these factors. As you can see the statistics above demonstrate that we will only change the criteria should the need arise following market changes or amendments, or potential amendments in legislation. What does good look like? For 2016 we see no need to change the core criteria for 5 or 4 Star rated products from those which are currently being applied. Motor Fleet Insurance Core criteria set for the following Policy Cover Property Liability - Cars Property Liability - GCV Windscreen Limit Theft of Keys Limit ( ) Personal Effects European Cover Limit Accident Management Services Vehicle Rescue Cover Courtesy Private Car Helpline Services Emergency Helpline 4
5 Areas for discussion These are the areas where Defaqto would like to discuss their proposals, and receive any feedback that you might have. No proposed changes No other changes to product studied There has not been any noticeable changes within the motor fleet market and therefore we believe that no further changes are required for 2016 We carried out a review of our DNA scores and haven't seen any dramatic market changes that would require us to make any changes for the 2016 Ratings There are no obvious elements of policy cover that might emerge over the next 16 months We cannot see any reason to remove any of the existing elements of cover from our Ratings because of market changes likely to happen in the next 16 months 5
6 Appendix: Proposed 2016 criteria Based on the above analysis, we propose including the following criteria in our assessment process for the 2016 Ratings (core criteria are in bold text). Proposed criteria Property Liability Cars EU Cover Limit Property Liability GCV Customs Duty Indemnity to Owners Uninsured Loss Recovery Indemnity to Principals Uninsured Loss Recovery Cover Contingent Liability Breakdown (availability) Cross/Joint Liability Breakdown Pay on Use Unauthorised Movement Emergency Helpline Unauthorised Use Claims Reporting Online Unlicensed Drivers Own Repairs Authorisation Towing Recommended Repairers Attached Trailer Cover Repairs Guarantee Bodywork Detached Trailer Cover Repairs Guarantee Period (Years) New Vehicle Period Cars (Months) Vehicle Rescue Cover New Vehicle Period GCV (Months) Accident Transport New GCV Max Weight (Tonnes) Accident Transport Maximum Distance New Vehicle (%) Accident Maximum Passengers New Vehicle Mileage Limit Message Relay Windscreen Limit Alternative Transport Costs ( ) Windscreen Limit Non-Approved Repairer Emergency Accommodation Limit Per Person ( ) Audio limit Manufacturer Emergency Accommodation Total ( ) Audio Limit Non-Manufacturer Courtesy Private Car Satellite Navigation Limit Manufacturer Courtesy Car Defined Class Satellite Navigation Limit Non-Manufacturer Courtesy Car Period (Days) Loss of Keys Limit ( ) Courtesy Car Guarantee Theft of Keys Limit ( ) Courtesy Car Enhanced Vehicle Personal Effects Courtesy Car Total Loss Full EU Cover Courtesy GCV 6
7 Proposed criteria Courtesy GCV Period (Days) Inexperienced Driver Excess Courtesy GCV Defined Class Windscreen Replace Excess Courtesy GCV Guarantee Windscreen Repair Excess Driver Under 21 Excess Cancellation Return Level We are not planning to remove any criteria for
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