Myths don't come from foolishness but from a lack of information – and in the fleet world they're especially persistent, because the subject rarely comes up in conversation. Here are the ten most common ones, each with a concise, factual answer and a link to the deeper article. The longer, fuller version: common myths.
- Ten myths, ten concise answers – with links to the detailed articles.
- The common remedy: data (claims list, vehicle list) and a system (renewal date, routines).
- If one of these myths is alive and well in your own fleet, the self-check quiz gives you a quick reality check.
Myths about premiums and contracts
1. “A fleet is always cheaper.” – Not always: a fleet is more organised and more negotiable; the price depends on the claims history (pricing article). 2. “Casco comes as standard with MTPL.” – It's a separate decision, made vehicle group by vehicle group (casco article). 3. “The deductible is just small print.” – The deductible is a strategic tool: a balance of premium, claims exposure and statistics (deductible article). 4. “A cheaper quote covers the same thing.” – A strikingly low premium is typically hiding a difference in content (trap article).
Myths about claims
5. “At claim time, the broker will speed things up.” – The fastest route is the insurer's claims line; the broker helps you, where possible, when a case gets stuck or disputed (broker's role article). 6. “A small claim always has to be reported.” – It's a matter of arithmetic: because of the effect on your claims record, sometimes your own budget is the better route (dilemma article). 7. “Signing the European Accident Statement is an admission of fault.” – No: it records the facts, the decision is the insurer's to make (statement article).
Myths about the system
8. “You can't change the claims record.” – The loss ratio depends on how the company operates: order, driver awareness, deductible policy (programme article). 9. “When you switch, you start from zero.” – The claims history travels with the fleet: in a good case it's leverage, in a bad case it follows you (switching article). 10. “Cargo is covered under casco.” – Goods are a different world: that's a question for cargo cover (cargo article).
What do they have in common?
All ten myths respond to the same two remedies: data and a system. The claims list and the vehicle list swap beliefs for facts; the common renewal date and routines take fleet matters out of the “we'll remember” world. For a quick check on where your own fleet stands: the 2-minute self-check – and for a deeper picture, there's the free-of-charge review.
How to use this collection
This list isn't just something to read – it's an internal communication tool too. If a decision needs to be made within the company (casco scope, deductibles, switching insurer) and a familiar line from the ten above comes up in the discussion, the linked article is a quick, neutral point of reference: not “I say so”, but “let's look at it together”. Feel free to reuse the myth-and-answer pairs in a management presentation or an internal memo. And if you come across a belief that isn't listed here – fleet folklore is inexhaustible – ask about it without hesitation: either it's a myth, and we clear it up, or it's true, and we build it into the system.
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