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Fleet risk health check: how well is your fleet run?

Answer 16 short statements about drivers, maintenance, security and claims. You get a score out of 100, a bar for each area and a practical tip for every gap insurers tend to ask about.

  • Free to use
  • No sign-up
  • Takes about three minutes

Answer each statement as things stand today. Partly means it happens for some vehicles or drivers, or not every time.

0 of 16 answered

Drivers

1. We check every driver's licence when they join and at regular intervals after that.
2. Drivers have read and signed a written driving policy covering phones, fatigue and reporting.
3. New or younger drivers get an induction or assessment before driving alone.
4. We know which drivers have points or convictions, and they are declared to the insurer.

Vehicles and maintenance

5. Every vehicle has a planned service and safety inspection schedule.
6. Drivers do a walk-round check before use and report any defects.
7. Reported defects are fixed, and the fix recorded, before the vehicle goes back out.
8. Our vehicle list, with registrations, values and uses, is up to date.

Security

9. Vehicles are kept overnight in a locked yard, garage or well-lit secure area.
10. Keys are kept secure and never left in or on an unattended vehicle.
11. Tools and stock are removed overnight, or vans have extra locks and signs.
12. Vehicles have trackers, immobilisers or alarms suited to their value.

Claims and admin

13. Every driver knows exactly what to do and what to record after an accident.
14. Incidents are reported to us and to the insurer promptly, including small ones.
15. We review our claims record and look for patterns, such as reversing damage.
16. Our renewal date and key documents are tracked, with time set aside to prepare.
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This tool runs in your browser. Nothing you type is sent to My Cheap Fleet or anyone else.

General information to help you prepare, not advice. Cover and terms depend on each insurer's acceptance criteria.

How to use the fleet risk health check

Read each of the 16 statements and choose Yes, Partly or No based on how the business runs today, not how it is meant to run. Partly is for things that happen for some vehicles or drivers but not all, or that happen without being written down. When every statement has an answer, press See my score.

  1. Answer honestly: the score is for you, and nothing is sent anywhere.
  2. Read the overall score and the bar for each area to see where the gaps sit.
  3. Work through the tips for every Partly or No answer.
  4. Copy or print the results and check again in a few months to see what has moved.

Why risk management matters for fleet insurance

Fleet insurers look beyond the vehicles. Proposal forms and broker conversations often cover how drivers are checked, how vehicles are maintained, where they are parked and how incidents are reported. A business that can show a clear routine in each of these gives an insurer more to go on than one that cannot, and that can shape the terms offered, subject to each insurer's own acceptance criteria.

Good habits also matter after a claim. Records of licence checks, walk-round checks and repairs can help show what happened and that the vehicle and driver were fit for the road.

What the four areas cover

  • Drivers. Licence checks, a signed driving policy, inductions and accurate conviction details. Fleets with drivers who have points may find our page on convicted driver fleet insurance useful.
  • Vehicles and maintenance. Planned servicing, daily checks, defect repairs and an accurate vehicle list.
  • Security. Overnight parking, key control, tool theft and tracking, which matter especially for van fleets.
  • Claims and admin. What drivers do after an accident, how quickly incidents are reported, and whether claims are reviewed for patterns.

Turning the score into action

Start with the No answers in the area with the shortest bar; those are often quick to fix with a written process. Free tools on this site help with several of them, including the company driving policy template and the driver accident card. Before renewal, the quote readiness checklist helps you gather the evidence to share with a broker.

Keep in mind that the score reflects your own answers. Writing down the date of each check, inspection and training session turns a Yes into something you can actually show.

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FAQs

Fleet risk health check: common questions

Does a strong score mean cheaper fleet insurance?

No. The score is a self-check of the habits insurers commonly ask about. Price, cover and acceptance depend on each insurer, your vehicles, drivers, use and claims record. A strong score simply means you have more in place to talk through with a broker.

How is the score worked out?

Each Yes counts as two points, each Partly as one and each No as zero. The total is shown out of 100, with a bar for each of the four areas. The bands are a rough guide: Strong, Good or Needs attention.

Should I share my results with a broker?

That is up to you. Some businesses find a printed copy a useful prompt when talking through how the fleet is run. What insurers usually want to see is the evidence behind each answer, such as dated licence checks, maintenance records and a written driving policy.

Are my answers saved or sent anywhere?

No. The health check runs entirely in your browser. Nothing you choose is sent to My Cheap Fleet or anyone else, and answers are cleared when you leave the page. Use Copy results or Print results to keep a record.

How often is it worth repeating the check?

A few weeks before each renewal is a natural point, and again after any big change such as adding vehicles, taking on new drivers or a run of claims. Comparing scores over time shows whether new routines are sticking.

More free fleet tools

Driving policy templateFill in and download a driving policyDriver accident cardPrintable glovebox card for driversQuote readiness checklistWhat to gather before getting quotes

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