Flock has introduced what it claims to be the first artificial intelligence (AI) fleet insurance expert for the sector.
Called Jay, the agentic AI is based on more than one billion kilometres (621 million miles) of real-world driving data.
It knows each Flock-insured fleet inside out, lives inside the Flock Portal, and comes free with every Flock fleet insurance policy.
The system, says Flock, works on behalf of fleet managers, undertaking sophisticated analysis, identifying risks, and pointing to the actions that will improve fleet performance.
Each fleet is studied in forensic detail across vehicles, claims, connected miles and the trends running underneath, turning that knowledge into personalised insight.
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Ed Leon Klinger, CEO of Flock, said: “Every fleet has daily questions about risk, policies, vehicles and claims, but many teams don’t have the time or the tools to answer them.
“For the first time in UK fleet insurance, every customer now has their own expert: someone that knows their fleet inside out, works around the clock, analyses billions of data points on their behalf, and partners with them to help their fleet run well.”
Fleet managers can ask the agentic AI any question, such as ‘Which vehicles need my attention today?’ or ‘Are all my vehicles covered for the work they’re doing?’.
Jay identifies the relevant information, interrogates the live data specific to that fleet, analyses the results and returns actionable responses.
It works proactively too, says Flock, identifying emerging risks inside the Flock Portal and sending daily alerts with clear guidance on how to act before those risks become claims.
Jay was developed alongside a cohort of Flock’s fleet insurance customers spanning parcel delivery, taxi, self-drive hire and trades.
Their feedback shaped the product from the earliest concepts through to launch and continues to shape how Jay evolves.
In the pilot, 87% of the 23 fleets who tried Jay came back for more help.
One operator discovered that almost all of their most serious incidents were clustered around a single stretch of road – an insight that would once have taken hours of manual analysis.
Klinger continued: “We believe this is the future of insurance: getting ahead of the problem and helping customers prevent accidents before they even happen.
“And we haven’t stopped at end-customers – every broker who places business with us now gets the same tool for every fleet on their book as well.”
Brokers get Jay for every fleet on their book with the full set of capabilities their clients see. This, says Flock, will give brokers new insight into their clients’ fleets, and detailed analysis ready for any client review or renewal conversation.
