"The most expensive claim in your fleet hasn't happened yet" — fleet risk management at #UbezpieczeniowyLIVE
At #UbezpieczeniowyLIVE, Renata Witak (PZU) and Mateusz Maj (VivaDrive) talked fleet risk management from the insurer's perspective — real data, concrete examples, and the processes that actually generate costs. The recording is available online.
"The most expensive claim in your fleet... hasn't happened yet." That was the starting point of the fleet segment of #UbezpieczeniowyLIVE, hosted by Renata Witak, Head of the Fleet Risk Management Team at PZU, together with Mateusz Maj, CEO of VivaDrive, in cooperation with Gazeta Ubezpieczeniowa.
A claim costs more than the repair
The biggest fleet losses do not end with fixing the vehicle: downtime, lost productivity, process and communication chaos, and people's time that rarely makes it into any calculation. That is why claims cost more than most fleets think — you pay for time, not just the repair.
What effective fleet risk management looks like
The session showed, on real data and concrete examples, that effective fleet risk management starts with the right data rather than intuition, requires KPIs rather than just an annual policy renewal, and works best when prevention is targeted — not "one size fits all". A key observation: 20% of claims can generate the majority of a fleet's costs — the trick is identifying them fast and acting, instead of filing a report in a drawer.
The turnout and the discussion are the best proof that the approach to fleets and prevention in Poland is genuinely changing.