FMG is the UK’s leading provider of fully outsourced Fleet Incident Management services. We are committed to reducing the total cost of fleet incidents whilst delivering an unrivalled customer experience. When incidents occur, we manage every single aspect on behalf of our customers, from First Notification of Loss to Risk Management, Telemetry, Rental, Vehicle Recovery, Non-Fault Hire and Legal Services; keeping drivers mobile throughout. Our expert teams use bespoke technology and ISO-certified systems to ensure speed and accuracy throughout the Incident Management process.
First Notification of Loss
FMG truly tailors the Claims Management service to every customer, starting at the First Notification of Loss (FNOL) stage. Ingenium, our flexible claims technology platform, has been technically enhanced to provide bespoke questions for our FNOL experts to ask at the claims reporting stage. The system recognises each customers’ insurance policy cover and excess level details. Information collected helps to accurately triage the FNOL and trigger customer-specific workflows accordingly, supporting early intervention of Third Party services and identifying potentially fraudulent cases.
Own Damage Claims
FMG can remove a significant burden for policyholders’ by managing their own damage repairs via a wide range of repair solutions provided by our accredited repair network, including mobile repairs, SMART repairs and fixed bodyshop repairs. FMG’s dedicated in-house engineers ensure repair costs are fair and reasonable by interrogating repair estimates and methodology; ensuring all repairs are completed in line with legal and manufacturer safety specification.
Third Party Intervention
Early intervention is crucial to mitigating the total cost of a claim and FMG urges drivers to report incidents as soon as it is safe to do so. FMG’s Third Party Intervention experts contact the Third Party within an hour of the incident being reported to offer our repair and replacement vehicle solutions, which significantly reduces the risk of the Third Party pursuing or being approached by potentially expensive hire car companies and claimant personal injury lawyers.
Third Party Claims Management
FMG successfully minimise Third Party expense at every opportunity. Dedicated in-house engineers interrogate vehicle repair costs, engineers’ reports and repair methodology to ensure Insurers do not pay more than is absolutely necessary. We encourage Third Parties to use FMG’s hire provider at spot hire rates which are significantly cheaper than credit hire rates. Where the Third Party selects credit hire, FMG proactively monitor costs throughout the life of the repair. We manage the Third Party’s Personal Injury claim directly and determine proximate cause and manage claims spend for Non-Motor Property Repair.
Based in-house, our Loss Recovery experts are relentless in the fair and reasonable pursuit or what is rightfully owed to our customers, regardless of non-fault/partial fault status. Our claim handlers negotiate with Third Party Insurers within hours of new claims being reported to us, with instant access to incident details through seamlessly integrated systems.