But this rental activity remains marginal

In the majority of cases, craftsmen, merchants, liberal professions, but also SMEs - SMIs which have a less than 20 vehicles fleet, agree a contract with the insurer or broker normal, one that covers all their risks. Or even, sometimes, they pass through the main rental long duration which have integrated brokerage entities, sometimes filialisées, and may also, on their side, offering insurance contracts "full service". But this rental activity remains marginal.

In reality, stakeholders in the auto focus on market large accounts. Competition has increased there in recent years. To be "in the race", the main players in this market have multiplied services to drivers on the one hand, to park managers and the "risk managers" on the other hand. It's to provide direct assistance to the first in all circumstances and to advise the latter in their priority is the limitation of costs.

The main players in the market for insurers, Covea Fleet (premiums in 2008 approximately EUR 500 million), AXA, AXA France and AXA Corporate Solutions (400 million euros of premiums), AIG Europe, AGF Allianz and Generali.

The "G5", it should be to add Zurich, which is significantly higher with the acquisition of new budgets, for example the 20,000 vehicles of Suez Energie Services or those of Kéolis Lyon, under the name of TCL, operates the network of transit of Lyon with its buses, trolleybuses and minibuses, tramway and Metro 1.059. Brokers are also very active. The most important of them roughly have the same size... beyond the effects of advertisement, whether it is Aon, Diot, Gras Savoye, Marsh or Verspieren. They ensure each between 250,000 and 300,000 vehicles, representing some 10 million euros in fees.

Their mission includes generally several distinct components. They come in support of the "risk managers" to prevent auto risk and manage claims, but as a source of information and reporting and Council. Brokers have to their powerful statistical tools and they have a real ability to analyze the loss experience of the company. But their first mission is to find the automotive risk the most appropriate and most effective financing solutions.

Significant issues

In France, this risk is to feature to be unlimited. Also, whether it's fleet of heavy goods vehicles for the public transport of goods (TPM), fleet of vehicles for public transport of passengers (TPV) or in short term rental fleets, the stakes are considerable.

In terms of impact and security, the risks are different and do not have the same scope as they relate to physical harm, (flight, destruction...) damage to goods (goods) or the environmental result of an accident. "Some risks are harder to place than others because the insurers do not hesitate to refuse." "Others require a very high level technical expertise that all insurers have not developed," says Thierry Dubois, now Director of development fleets Diot auto. "We must be more inventive in our recommendations." They can go to the need to take action for communication and training on occupational road risk a requirement for all employers at the same time that the surest way to reduce loss experience and the amount of insurance premiums , the recommendation to self-insurance to a certain limit, or even the reinsurance by of captives most of the big companies of the CAC 40 have at least a when it comes to higher ceilings. "Our business has become very complex and the best of us are those that, thanks to a perfect knowledge of the field of automotive, mandatory and optional insurance to their clients the best optimization of their insurance budget", he concludes.