We all know the adage “if it ‘ain’t broke, don’t fix it”, so we all tend to just stick with what we have in place. But what if it is “broke” and you just don’t realise it? This applies to your insurance portfolio. When was the last time you had a thorough review or sought guidance from a 3rd party? As part of your Road Haulage Association (RHA) Membership, you can access a free confidential audit undertaken by RHA Insurance Services, to see if you have the correct coverage and it could save you money.

Sometimes it is worth disturbing the status quo!

RHA Insurance Services Account Executive, Ryan Warfield Dip CII explains the benefits of undertaking an insurance audit and market review, which is free to RHA members.

“Haulage insurance portfolios are complex and there is no ‘one size fits all’. Each haulage firm is different and it is vital that your broker understands your businesses nuances. We work closely with our clients, undertaking extensive analysis of their business operations & claims experience. By developing a deep level of understanding of your business, we can ensure you have the most appropriate cover in place at competitive rates.

Working in partnership, we can create a proactive risk management structure that pinpoints areas for improvement, allowing companies to put processes in place that could help prevent or at least mitigating future claims. By understanding how to detect the risks within your fleet, you can protect against them and implement practices to improve the safety of your firm. Taking time to undertake an audit could help you to reduce claims, improve operational performance, reducing your premiums and ultimately enhancing your bottom-line profitability.”

Best practice

RHA Insurance Services can help reduce the frequency of claims by improving management practices and reduce the severity and cost of claims by utilising an effective FNOL (First Notification of Loss) strategy and process. 

Identifying patterns and trends will assist in developing remedial risk management strategies to further reduce your fleet accident rates. Claims analysis and audits can be provided monthly or quarterly and include:

  • Incident analysis including type, driver age / experience, route, time / day, location, depot
  • Claim scenario/incident type trends
  • Risk management advice
  • Isolating problem drivers
  • Reporting and investigation strategies
  • Creating a safety culture
  • Driver selection, retention and training
  • Agency driver monitoring and claims review
  • Advice on use of in vehicle technology such as telematics and CCTV

More than just Fleet Insurance

Understanding if your entire insurance portfolio is fit for purpose is crucial. RHA Insurance Services have expertise in all aspects of Haulage insurance including Goods in Transit, Combined Liability, Directors & Officers, Cyber Insurance, Breakdown Coverage, Commercial Legal Expenses and Plant Insurance.

Each policy needs to be considered individually depending on your business. For example, firms that run temperature-controlled units, are at risk of refrigeration breakdown. General haulage firms that have theft attractive goods need appropriate theft & malicious damage terms for Goods in Transit. Each situation must be analysed in detail and every aspect needs to be taken into consideration.

Don’t take our word for it!

See what John Musumeci, Director of Team CLS said about their experience with RHA Insurance Services

 “It was evident from our first meeting with RHA Insurance Services they had considerable expertise and experience in dealing with businesses in our sector. They knew immediately of the problems we were facing.

We were confident that if any broker could obtain better terms for us, it was the team at RHA Insurance Services.

We were kept up to speed every step of the way and were delighted our fleet premium had been negotiated down from the scary level we were offered by our previous broker.

They also resolved cover issues on our other policies and at significantly more competitive premiums.”


Our audit is what is known as a ‘silent audit’, which means that it is totally confidential and leaves no footprint, so you can be confident that your relationship with your current broker will not be compromised.

Benefit from our combined 50+ years of experience and client-focused approach to get your complementary audit.

Call RHA Insurance Services now on 0203 960 2944


Email benn.houghton@rhainsuranceservices.uk.net

RHA Insurance Services is a trading name of Business Choice Direct Insurance Services Ltd who are authorised and regulated by the Financial Conduct Authority.

Business Choice Direct Insurance Services Ltd is registered in England and Wales No. 10301653.  Registered Office: Affinity House, Bindon Road, Taunton, Somerset, TA2 6AA.