Reducing Claims in PZU iFlota

Effective fleet management can significantly reduce claims, saving your business time and money. Below are strategies and tools available within PZU iFlota to help reduce claims:

1. Analyze Claim Data

  • Summary Reports: Use the "Summary Report" section in PZU iFlota to review claim trends over the past 36 months.
  • Reports by Damage Type: Identify recurring causes of claims, such as collisions or specific damage types, to address common risks.
    • Key Insights: Review the average claim value, total payouts, and claim frequency to understand high-risk areas.

2. Implement Prevention Measures

  • Prevention Tools: Explore the "Prevention" tab to access resources and strategies designed to minimize risks.
  • Education: Train drivers on safe driving practices, using educational materials provided in the "Education" section.

3. Monitor Vehicle Usage

  • Dashboard Analytics: Regularly check vehicle performance and costs through the Metrics dashboard. Identify vehicles with higher claim frequencies or issues.
  • Telematics Integration( Not part of PZU iFlota, Seperate Digital Fleet subscription required ): If applicable, monitor vehicle behavior in real-time to address risky driving patterns.

4. Assign and Manage Drivers Effectively

  • Driver History: Review the driver history section to track which drivers are linked to vehicles with the most claims.
  • Assign Experienced Drivers: Assign experienced and careful drivers to high-value vehicles or vehicles in areas with a higher risk of claims.

5. Collaborate with PZU Experts

  • Support from PZU Experts: Use the "Get Support from a PZU Expert" button in the Summary Report section. PZU experts can help analyze your fleet's claim history and provide tailored advice to reduce risks.

6. Set Up Alerts for High-Risk Areas

  • Claim Trends by Location: Review reports segmented by countries or regions to identify high-risk areas.
  • Action Steps:
    • Restrict vehicles from frequenting high-risk locations.
    • Increase driver awareness for such areas.

7. Plan Maintenance Effectively

  • Preventative Maintenance: Ensure timely maintenance to prevent claims due to mechanical failures or issues.
  • Track Maintenance Dates: Use the “Next Maintenance Date” feature in the Vehicle Information section.

8. Track Fuel and Operational Costs

  • Fuel Cost Analysis: High operational costs can sometimes signal inefficient driving habits that could lead to claims.
  • Action Plan: Use the "Fuel Cards" feature to monitor and optimize fuel consumption.

Additional Features

  • Claims List: Highlighted rows in the Claims List indicate updates or new claims. Regularly review this section to stay informed.
  • Export Data: Export source data to analyze claims offline for better decision-making.


By leveraging these tools and strategies, you can proactively manage your fleet to reduce claims and improve operational efficiency. For more help, contact your PZU account manager or reach out to pzuiflota@vivadrive.io.