Insurance management
Insurance that is valid for the driving your people actually do.
CarCloud supports you in making the insurance journey simpler. Cover is confirmed for every vehicle used for work, company or employee owned, monitored continuously and flagged before it lapses. Renewals arrive early enough to shop, live valuations keep premiums fairer, and a claim is raised at the point of incident with the vehicle’s documents already attached.
From the CarCloud platform
The numbers
Most cover is assumed. Some of it is not there.
30–50%
cheaper when cover is bought 25 to 26 days before the renewal date rather than left to auto-renew.
MoneySuperMarket, 2025
20–30%
of commercial motor policies are hit by non-disclosure at renewal.
CMA / ABI, 2024
1 in 3
employees who use their own car for business are not insured correctly for it.
Visa / CarCloud whitepaper, 2026
The problem
Four ways insurance goes wrong between one renewal and the next.
Cover assumed, not confirmed
A standard social, domestic and pleasure policy often excludes business use. An employee driving their own car to a client on that policy is, for the journey, uninsured — and the employer carries the exposure. Most organisations have never asked, let alone checked.
CarCloud confirms business-use cover with each driver from their own phone, and keeps it confirmed.
Renewed on autopilot
Renewal letters arrive, nobody shops, and the policy renews at a price nobody agreed. Across a fleet the dates are spread through the year, so there is never a moment when insurance is anybody’s job.
CarCloud flags renewal 25 to 30 days out, when prices are potentially lowest, with the vehicle’s details ready to quote.
Premiums priced on guesswork
An insurer without an accurate valuation prices in a provision to cover its own uncertainty. You pay for that uncertainty on every renewal, and sums insured set against stale values are either over-paying or under-covering.
CarCloud updates the value of your whole fleet monthly, so cover and premiums track what the vehicles are actually worth.
Claims that drag on
First notice of loss still averages 48 to 72 hours by phone or paper. Evidence degrades, the vehicle sits off the road, and the paperwork lands on whoever is nearest.
Claims are raised at the point of incident from the driver app, with the vehicle’s documents and valuation already attached. (Coming soon)
Insurance that is valid for the driving your people actually do.
Business use confirmed by the driver, renewals flagged early enough to shop, premiums priced on live valuations.
What it does
How does CarCloud check business insurance cover?
Every vehicle, every driver
Cover confirmed and continuously monitored across owned, leased, hired and grey fleet.
Reminders
Renewals flagged early enough to shop, never auto-renewed at a price nobody agreed.
Grey fleet has the right insurance for business
Business use confirmed by the employee, not assumed from a social policy.
Claims and incidents tracking coming soon
Claims raised on scene with documents and valuation attached, and tracked to settlement.
Fair premiums from live valuations
Monthly market-based values, so sums insured and premiums reflect the vehicle today.
Insurance class check
Whether each policy’s class matches the driving actually done: commuting, business use, or carrying goods.
What changes
Cover is something you can show, not something you hope is there.
Insurance today, and insurance with CarCloud.
Insurance today
Cover self-declared once a year, if at all
Policies auto-renew at a price nobody agreed
Sums insured set against stale values
Claims phoned in days later, evidence lost
Grey fleet on social-only policies, undeclared
Insurance with CarCloud
Business-use cover confirmed and monitored continuously
Renewal flagged 25 to 30 days out, ready to quote
Sum insured tracks the live valuation
Claim raised on scene with documents attached coming soon
Grey fleet declared, covered and on the audit trail
The outcome
No more wrong cover. No more silent renewals.
What you pay for matches the driving your people actually do. Renewals are decisions rather than events. And when something happens, the claim starts on the day, not the week after.
Drive your business with CarCloud DRIVE.