Averting claims reduces your motor insurance premium and drives other savings, safety and sustainability. While the principal source of claims is collisions, poor driver behaviour is the number one culprit in 84.8% of fatal road traffic collisions. So how exactly can a SME improve behaviour?

Most motor claims are due to crashes. Recent research in Canada found that 84% of respondents who drive at-work believe crashes are unavoidable. In fact, almost all are preventable. For SMEs, having a strategy to reduce the frequency and severity of collisions is essential (and it is the law).

Globally, insurance is transforming to “prevention of risk”, as sensors and other tech help prevent claims.

If you are a SME, here are seven insights that can help you get the best deal from your motor insurance provider.