Rarely on their own. Insurers price mainly on your claims record and how you manage risk, so fitted kit counts for most when you can show what you do with it. That means incidents reported quickly, drivers spoken to when their driving starts to change and footage saved when a claim is disputed. Where that leads to fewer or cheaper claims, it builds the case for a better premium, though no insurer is bound to give one.

What insurers say they look for

Aon, the broker, says underwriters are "still focused on how quickly claims are reported, how actively they are managed" and whether a fleet can control downtime and third-party costs. The fleets that do well show "active driver management and practical use of vehicle or claims data" (Aon, September 2026). On that view, what happens with the data counts for more than the hardware.

Where cameras help

  • Disputed claims. Footage can show what happened when the other driver's account differs, but only if it's saved before the recorder loops over it.
  • Investigations. Footage helps the office understand an incident and talk it through with the driver.
  • Drivers' own protection, where a driver is wrongly blamed.

Where telematics helps

Telematics shows how vans are driven, though a score on its own changes little. The value to an insurer comes from what follows: who was spoken to, how often and whether their driving changed.

What to show at renewal

  • Your claims, how quickly each one was reported and how many had the other driver's details
  • The drivers whose driving changed and what you did about it
  • What changed after any serious claim
  • How the year compares with the last, including the parts that weren't luck

Where SHIELD fits

SHIELD makes the tracking and cameras a fleet already has do more, with no new hardware. It checks in with drivers whose driving is starting to change and gets incidents to your insurer within minutes after a quick office check. Through the year it keeps a record of the risks spotted, the check-ins sent, how drivers rated them and how claims moved. That record builds the case for a better premium at renewal without promising one.

Since Orkin started using SHIELD, its loss ratio has gone from 84 per cent to 56 per cent, which gives it a stronger position heading into renewal.

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Sources: Aon, UK insurance market outlook, 10 September 2026.