Companies that operate vehicles for business purposes are often unable to quantify or prioritise the level of risk exposures present in their use, other than by expressing a desire to reduce accident and damage incidence rates and their associated costs.

Sometimes, companies have initiated a variety of fleet risk control initiatives, but are unable to confirm that collectively these initiatives are appropriate and effective in containing the prevailing risks.

Presently, insurers are charging an ever-increasing level of premium for motor insurance cover.

Only a solution that combines risk management expertise with fleet management experience can expect to tackle these issues in a sustainable way.

Critical questions you need to consider

• Are you aware of your obligations under Health and Safety law to manage 'occupational road risk'?

• Do you have a way of reducing the incidence rates of vehicle accidents and damage?

• Are you minimising your total vehicle operating costs?

• Have you considered occupational driver risk surveys and individual journey risk assessments?