CCTV cameras are becoming more widely used by fleet operators as the systems improve and justification for use becomes more viable.

Criminal gangs running crash for cash scams and companies chasing no win no fee claims for motor injuries can cost businesses dearly in lost time, increased insurance premiums and injuries to employees. These incidents are on the increase and providing your driver is not to blame, installing CCTV cameras could save fleet operators thousands each year. Motor vehicle fleet operators (private and public-sector) are considered a good target for criminal gangs because they are required to have insurance cover for all their vehicles.

A recent case brought to court by transport company Abellio involved a couple who were claiming for serious injuries sustained in a crash with one of the company’s busses.

Subsequent CCTV footage found that the bus was only travelling at 5mph and the court ruled against the claimants. Abellio reclaimed all their costs in a high court action that saw the couple fined and given prison sentences.

An on-board CCTV system will also guard against theft or attempted theft and criminal damage by using the cameras as a visual deterrent and providing evidence for the police and insurance companies.

CCTV systems
There are a huge variety of systems on the market and the choice you make will depend on your priorities.

At a basic level, a single dashcam with an SD card to store the footage will be enough to record a front view; however, two cameras to cover the front and rear are a better option. Dual cameras are also available to cover interior and exterior of the vehicle, if needed.

The quality of camera and size of memory card are important factors. Most units provide continuous recording and will automatically overwrite old files as new footage is recorded so you don’t have to keep reformatting the memory card. A minimum size of 128GB of storage is recommended depending on the quality of the camera, how many cameras are installed and number of driving hours per day. However, there can be problems with on-board storage and memory cards such as tampering and losing or forgetting to install the memory card.

A better option is remote connectivity using 3G/4G live streaming. This option delivers high quality, real time viewing to a PC or mobile phone. Setting up a multi-camera system to give front, back and side views will provide the maximum protection.

Fleet_motor_insuranceMotor fleet insurance
Vehicle fleets include all types of vehicle from company cars and vans, HGVs, public transport and emergency services, waste disposal vehicles and taxis.

Fleet insurance policies are designed to cover all vehicles in the fleet under one policy. Cover includes the usual added benefits of courtesy cars, legal assistance and breakdown cover.

Fleet GAP insurance can be added to policies to cover any shortfall between the insurer’s market valuation and the vehicles replacement value; essential if your vehicles are leased.

Your insurance can cover any of your drivers to drive the insured vehicles in your fleet and you should include public liability insurance for any claims made against your drivers for negligence.

Fleet insurance is complex. To get the right cover and keep your insurance premiums to a minimum, you will need an experienced insurance broker such as CLA to guide you through the maze of options and policies available and find you the most cost-effective insurer. For example, if you have a CCTV system installed, some insurers may be able to offer a discount. We can offer advice on CCTV systems to help protect your drivers and vehicles, through one of our business partners.

Call 0121 321 4600 or go to the motor fleet insurance page on our website and use our “Fleet Calculator” to get an estimate for your fleet insurance.