Fleet Insurance & Risk Management Survey
Understand how fleet operators evaluate, compare, and navigate coverage options, claims processes, and risk exposure thresholds, so you can sharpen acquisition targeting, benchmark pricing tiers, and convert high-value fleet accounts faster.
CONTEXT & RELEVANCE
Why run this survey now
Most fleet operators don't lose margin purely on premium rates. They lose it due to misclassified vehicle risk, underreported driver behaviour, fragmented claims handling, inadequate coverage mapping, and poor renewal timing, none of which fully show up in telematics dashboards or loss ratio reports.
If you are...
- Fleet insurer vs broker competition
- Commercial motor underwriting head
- Fleet risk or safety manager
- Insurer pricing and product lead
- Fleet procurement or finance head
You're likely facing...
- Coverage fit: owned vs leased fleets
- Claims drop-off: reporting stage
- Insurers = broad/inflexible perception
- Brokers = cheaper/underprotected perception
- Renewal churn: pricing vs service gaps
This will help answer...
- Coverage preference drivers by fleet size
- Claims process drop-off stage
- Insurer vs broker segment split
- Premium tolerance vs coverage trade-off
- Renewal switching triggers
RESEARCH THEMES
What This Survey Investigates
Eight interconnected research themes that map the complete fleet insurance journey from policy procurement to claims settlement.
Policy Discovery & Selection
- Insurer shortlisting criteria, fleet size
- Broker vs. direct channel preference
Coverage & Adequacy
- Third-party vs. comprehensive cover split
- Gap coverage, cargo and liability riders
Premium & Pricing
- Premium benchmarks by fleet segment
- Deductible structures, volume discount thresholds
Claims & Settlement
- Claim intimation to settlement turnaround
- Cashless garage network, surveyor delays
Risk Profiling & Telematics
- Telematics adoption, driver scoring usage
- Risk-based premium linkage, OBD fitment
Compliance & Regulation
- Motor Vehicles Act adherence, audit readiness
- Third-party mandate gaps, permit-linked cover
Insurer Relationship & Service
- Dedicated RM access, escalation responsiveness
- Renewal negotiation support, mid-term endorsements
Switching & Retention
- Churn triggers, incumbent loyalty drivers
- Competitor evaluation at renewal window
SAMPLING STRATEGY
Tell us about your ideal sample
Help us understand your target respondent profile. Select what applies, we'll design the optimal sample plan based on your inputs.
METHODOLOGY
Survey approach
For the Fleet Insurance & Risk Management Survey, we recommend a quant-first design with flexible data-collection modes to balance reach, depth, and verification across fleet operators, risk managers, and insurance procurement leads.
EXECUTION PROCESS
How we execute
A proven 9-step process from scoping to delivery, designed to ensure quality, speed, and actionable insights.
Define the decision frame
Confirm objectives, target cohorts, geographies, and reporting cuts
Define the decision frame
Design the instrument
Build workstream modules mapped to outputs (drivers, friction, pricing, retention, trust)
Design the instrument
Lock the questionnaire
Review wording, sequencing, LOI, and competitive context; approve final version
Lock the questionnaire
Pilot and calibrate
Test comprehension and ease quality; refine quotas and remove friction where needed
Pilot and calibrate
Run fieldwork
Execute collection with active quota management and feasibility controls
Run fieldwork
Assure quality
Dedupe, attention checks, speed/consistency rules, removals with audit trail
Assure quality
Prepare the dataset
Clean data and deliver codebook/variable definitions
Prepare the dataset
Analyse and synthesise
Driver ranking, leakage diagnostics, pricing bands, segment insights
Analyse and synthesise
Deliver and align
Executive deck (optional dashboard) and leadership readout with recommendations
Deliver and align
COMMERCIAL TERMS
Request a Commercial Proposal
Pricing depends on cohort, geography, sample size, approach, LOI, and deliverables. Configure below for an indicative estimate.
Select Sample Size
Geography
Select Mode of Survey
Length of the Interview
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+ applicable taxes
Cost Breakdown
Note: Estimate is indicative only. Final pricing is subject to scope finalization after discovery call.
REFERENCE CASELETS
Reference
Real-world examples of survey work in the fleet risk and insurance space.
Commercial vehicle telematics adoption & insurer preference (India)
OBJECTIVE
WHAT WE DID
DELIVERED
Commercial vehicle telematics adoption & insurer preference (India)
Claims experience & broker channel friction among corporate fleet buyers (India)
Commercial vehicle telematics adoption & insurer preference (India)
OBJECTIVE
A mid-size fleet operator needed to map how logistics fleet managers and owner-operators evaluate telematics-linked insurance products against conventional motor policies , and which pricing triggers shift renewal decisions toward usage-based cover.
WHAT WE DID
Ran a structured quant survey across 320 fleet decision-makers in six metros, capturing policy renewal triggers, telematics device adoption rates, premium sensitivity thresholds, and ranked insurer attributes across public-sector and private-sector providers.
DELIVERED
A segment preference map by fleet size, a pricing corridor for usage-based products by vehicle category, and a ranked insurer attribute framework isolating the three criteria that most frequently shift renewal intent.
FREQUENTLY ASKED QUESTIONS
Common Questions
Answers to frequently asked questions about this survey mandate.
What decisions will this survey enable?
Who is the buyer vs who are the respondents?
Can we see differences between light commercial vehicle fleets, heavy goods vehicle fleets and mixed multi-modal fleets?
How will you measure insurer preference beyond simple ratings?
Will the survey map the full fleet insurance procurement journey and drop-offs?
Can this survey inform product and pricing strategy?
How will findings improve our fleet insurance retention and renewal conversion rates?
Still have questions?
Schedule a discovery call to discuss your specific needs and get a custom quote.