The situation
Chinedu runs a delivery operation with multiple vehicles on Lagos roads every day. In that business, accidents and breakdowns are not unusual events — they are a normal operating cost. What was not normal was how long each one took to resolve.
What they were actually exposed to
Every vehicle off the road was revenue not being earned and a customer not being served. Claims were processed slowly and without explanation, and the broker who had placed the cover became unreachable once the commission was paid. Chinedu was effectively negotiating with insurers himself, without knowing what the policy actually entitled him to.
What we did
- 1Reviewed the existing fleet policy line by line, and identified where cover was thinner than he had been told
- 2Re-marketed the fleet to several insurers rather than renewing on autopilot
- 3Negotiated terms that reflected the fleet's real usage and claims record
- 4Took over claims handling directly, so incidents were reported and pursued by us rather than by his team
The outcome
Jedrick became his active advocate rather than a name on a certificate. Claims are now notified through us, documented properly at the outset and chased on his behalf — so his people stay focused on running the fleet instead of arguing with insurers.
Recognise any of this?
The two-minute risk check will tell you which of these exposures apply to you — or send us the policy you already hold and we will read it properly.