The latest from McCarron Coates for you;
Fleet transport insurance specialist broker, McCarron Coates, has demonstrated the benefits of building 21st century technology into the claims reporting process. By equipping its clients with a state-of-the-art App, it has leveraged major advantages, including a 90% reduction in claims reporting times.
One client’s claims history dramatically demonstrates a step-change since its drivers were provided with the App. In 2021, it took drivers an average of 25 days to report an incident and claims scenario. In 2025, in over 90% of cases, day-one reporting occurs.
The result of not dilly-dallying with submitting details to the insurer has resulted in tangible cost reductions. Total claims costs are now less than half those of 2021, despite a similar claims volume. The difference in cost – and ultimately the hugely positive impact that has on premiums – is down to speed of reporting.
By using the App’s functionality to instantly submit incident details, photos from the scene, and details of the Third Party involved, drivers provide the insurer with exactly what they want to see. The speed of reaction to an incident facilitates quicker investigation. Insurers can take mitigating steps to control the cost of the claim far faster. They can quickly prevent third-party costs, such as credit hire and medical expenses, from escalating.
The App also provides more clarity. On average, users of the App upload five photos from the scene, direct to the portal, via their phone. In around 30% of cases, they are also instantly providing relevant details of the third party. This allows the insurer to benefit from enhanced evidence capture and improves their ability to defend a claim and exert control over liability-related situations.
Adoption of the easy-to-use App spreads quickly and amongst all age demographics of driver. Once aware of the reporting tool at their fingertips, drivers quickly engage in actions that constitute a cultural and operation shift in the way claims reporting occurs and the speed with which first notifications of loss are provided.
“It is clear our introduction of the McCarron Coates App has delivered a solution to an age-old problem of drivers not acting swiftly enough to report incidents and inform their transport managers of claims needing to be made,” says McCarron Coates director, Ian McCarron.
“By providing a reporting solution that dovetails with lifestyle behaviours relating to phone usage and picture sharing, we have hit upon a means to drastically reduce the overall costs of claims generated by clients. Rather than viewing claims reporting as a chore, drivers are engaging with the App and getting the process underway at the scene, within just minutes. There is no need to call up, be kept on hold or have to report a claim in office hours. It’s great for the driver and hugely beneficial for the insurer.
“Claims reporting processes have, for far too long, been a juggernaut that headed in one slow direction. Our App is the FI solution that has collated all information before the driver has even made their first post-incident pitstop.”
The benefits of fast reporting, in terms of premium control, are explained by McCarron Coates claims director, Steve Stockley. He explains, “Our App is more than an App; it’s a change in culture. Our training of drivers, briefing of transport managers and monitoring of uptake ensures it becomes part of the daily routine. Working in partnership like this is why are have been able to generate outcomes such as a 90% shift to day-one reporting by one operator, accompanied by an overall claims spend that has more than halved since 2021.
“The downstream effect is significant too — faster reporting drives better claims control, improved outcomes, stronger renewal performance, and greater control over premiums year-on-year.”
With increased costs of operating for many businesses in 2025 and fears of what the November Budget may bring, knowing a process for containing premium rises is in place is some comfort for operators. It also allows McCarron Coates to build a client’s full risk management plan and strategy from the solid foundation of swift first notification of loss. By implementing other strategies, operators can further reduce the costs to their business generated by risks on the road, in the yard and within the office, as well as those emanating from regulatory and legal frameworks.
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