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Turning data into actionable risk insights

Discover how data-driven benchmarking, claims insight, and telematics can help reduce motor fleet claim costs, improve safety outcomes, and uncover measurable savings.

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Controlling the rising cost of motor claims

Motor fleet claim costs are driven by frequency, severity, and the day-to-day controls that shape outcomes. Marsh helps clients reduce cost per claim by combining proprietary claims data with specialist claims and risk expertise. So decisions are based on evidence, not assumptions.

This report focuses on how data-driven insight and benchmarking reveal where best-in-class performance differs, and what actions are most likely to deliver measurable savings.

Use this report to:

  • Gain a clearer understanding of the factors driving motor fleet claim costs.
  • See how your cost per claim may compare with average and best-in-class peers.
  • Identify where telematics and claims data can reveal actionable improvement opportunities.
  • Understand how targeted interventions can support safer operations and lower claims costs.
  • Build a more proactive approach to fleet risk management, claims performance, and insurance strategy.

Download the report now

Organisations today collect vast amounts of data. But data only becomes useful when it is structured, analysed, and interpreted. Otherwise, fragmented information remains largely unhelpful.

Transforming raw data into actionable insights can help organisations identify, quantify, and manage risks more effectively. For fleet owners and operators, this means gaining a clearer view of what is driving incidents, where claim costs are accumulating, and what steps can be taken to improve outcomes.

Key findings

Best-in-class fleets achieve significantly lower claims costs

Marsh research shows that best-in-class fleet organisations have a cost per claim that is around 70% lower than the average fleet.

A small number of recurring loss causes account for a large share of claims

The top five most frequent causes of loss make up more than half of total claims volume, revealing clear opportunities to reduce both frequency and severity.

Connected data enables smarter, earlier action

By combining claims and telematics data, organisations can identify risk sooner, target interventions more effectively, strengthen claims defensibility, and support insurer conversations with greater confidence.

What this report highlights

  • Proprietary insight: Marsh uses consistent data definitions and in-house intelligence to identify where cost accumulates across the claim lifecycle.
  • Benchmarking that matters: Performance is compared with relevant peers to separate normal variance from actionable improvement opportunity.
  • Actions you can implement: Insights translate into targeted changes across claim handling, suppliers, controls, and risk management.

Download the report now

What this report highlights

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Proprietary insight

Marsh uses consistent data definitions and in-house intelligence to identify where cost accumulates across the claim lifecycle.

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Benchmarking that matters

Performance is compared with relevant peers to separate normal variance from actionable improvement opportunity.

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Actions you can implement

Insights translate into targeted changes across claim handling, suppliers, controls, and risk management.

How Marsh helps reduce motor fleet claim costs

Data-driven insight

  • Turn claims data into a clear view of cost drivers, including severity, cause, geography, vehicle profile, and operational factors.
  • Identify leakage points across the claim journey – where time, process variance, or supplier outcomes increase cost.
  • Build a quantified baseline so improvements can be measured with confidence over time.

Benchmarking to expose opportunity

  • Compare outcomes with best-in-class Marsh fleet clients to make improvement gaps explicit.
  • Prioritise the operational levers with the highest likelihood of reducing cost per claim.
  • Support investment cases with evidence-based estimates of savings and impact.

Outcome

A practical, prioritised plan – grounded in data and expert interpretation – to reduce total cost of risk and improve claim outcomes.

Why this matters now

Vehicle incidents can have devastating consequences for drivers, other road users, and pedestrians. For owners and operators of fleets whose vehicles are constantly on the road, losses also represent a significant financial concern that can influence insurance pricing and operational resilience.

At the same time, higher repair and replacement costs, supply chain disruption, labour pressures, theft, and broader market conditions continue to drive claims inflation. For many organisations, improving fleet safety is no longer only a risk management issue – it is a business imperative.

Amid increased scrutiny from insurers and society, fleet owners and operators need better ways to extract meaningful insight from the data already available to them. By using claims data and telematics more effectively, organisations can identify the factors contributing to incidents and act before they escalate into costly claims or operational disruption.

Report FAQs

Turning Data into Actionable Risk Insights is a Marsh report that examines how claims data, benchmarking, and telematics-based insight can help fleet owners and operators better understand risk, reduce average cost per claim, and improve safety outcomes.

This report is relevant for fleet owners and operators, risk managers, transport leaders, insurance buyers, claims leaders, and anyone responsible for fleet safety, claims performance, or managing the total cost of risk.

The report combines Marsh’s proprietary claims data with specialist risk and claims expertise to show how organisations can move from raw information to practical action. It highlights where best-in-class performance differs and what actions are most likely to deliver measurable savings.

Benchmarking allows organisations to compare their outcomes with relevant peers and best-in-class fleets. This helps separate normal variation from genuine improvement opportunity and supports more informed decision-making.

Telematics provides driver-specific and real-time data that can help identify risky behaviours, support targeted coaching, improve defensibility in claims, and enable earlier interventions before incidents become costly losses.

Yes. The report shows how data-led insight can help organisations demonstrate stronger risk management, clearer operational controls, and measurable improvements that may support renewal discussions with insurers.

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