The path that is both realistic and courageousBut the Government cannot claim victory so farFinally the restrictive and protective legal regime already defined by articles lWe do not want the Government to assume all risksSide also transport network should investThe risk management gauge also qualitatively However this study presents a faulty methodologyIn short a triple ban to be lazy or negligentBut to focus solely on them causes two risksThis is the first vegetable consumed in the worldOn the market of motor fleet insurance, offers will now largely beyond classic auto insurance. "Demand for business is clearly oriented towards services, explains Eric Lagarde, Director marketing and business of the insurer Covea Fleet.". They require not only that we manage their claims by taking over their vehicles in the event of disasters, but also that we provide assistance in all circumstances to drivers as to the vehicles, through our support trays. Companies also want that we help them to reduce their loss experience with implementation of prevention programmes, in particular training to the conduct or the filling of amicable findings, or even to eco-driving. 
The third party may be sufficient
To make savings, a fleet insurance "it enough that companies make the right choices, because, more often, they are"sur-assurées", says Philippe Croci consultant." "In fact, for the most recent vehicles, the first impulse is to ensure"all risks", taking a guarantee which includes theft, fire, breaking of ice and natural disasters." Such a guarantee is beyond legal obligations and some companies may have interest in maintaining their vehicles to the third parties (civil liability traffic or RCC), i.e. only for the damage caused to other road users. It is an economical solution if the loss experience of the Park is well under control.
"Companies should not be afraid of self-insurance, still commented Philippe Croci. They can for example to raise their level of deductible, do not accept insurance "ice breaking", or even, for an important as fleet of rental, agree a contract with conservation. They then keep their dependants a portion of the costs of claims that have been considered generally as incompressible and who have a major impact on the amount of the premiums. Companies no longer have that to pay to the insurer, who continues to manage all of the incidents and accidents of vehicles in the fleet, an "advance disaster", which is refundable at year end if it is not used. "They may also waive their flight insurance equipping their vehicles of system of geolocation GPRS-GSM for detection and recovery.
When they are not of "risk manager" full-time, companies are more likely to follow training to managers of Park, who become this way essential interlocutors of the insurance. First online brokers remain the most enterprising but see their role change: their Council and Integrator activities develop and large brokerage firms, type Aon or Marsh, are now equipped, in men and equipment, to not only of engineering insurance, but also the management and the tracking of fleets.
Global delivery
However, brokers saw arrive on the market of new competitors, long rental duration, which previously were their customers. The image of GE Capital Solutions, they have sometimes created their own captive brokerage firm in order to offer a lump sum benefit to all of their clients. For rent or "fleet management", a rental package can integrate insurance with provision of a replacement vehicle and a guarantee "financial loss". The latter covers the total of the tenant or the owner harm when a vehicle is economically irreparable or stolen. The tenant is refunded the value of the nine, either rental charges remaining due, which allows to replace without losing money. "It is in my view security especially for the TPE and SMEs - SMIs, entrusts again Philippe Croci." Ensure its fleet at the best price does not waive that may seem incidental and guarantees which are not.
