Leasing and finance companies

The vehicle is yours. Someone else has the claim.

In renting, leasing and captive finance, the vehicle's owner is not at the scene of the accident, and the driver does not know who the owner is. Acciparte closes that gap with configuration, not training.

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The situation

The further the owner is from the wheel, the later they find out about the claim

The lessee has a collision, calls their company, the company calls the broker, the broker notifies the insurer and, at some point, someone tells the vehicle's owner. Each link in the chain costs a day.

Acciparte lets the fleet be structured as a tree: the finance or leasing company as owner, brands or client companies as administrators, and fleets and drivers below them. Each level sees its own claims data, and every vehicle has its insurer, handler and network of workshops configured.

When the driver scans the QR code, the report reaches the owner, the lessee company, the insurer that applies to that vehicle, and the workshop from the defined network, all at once. The owner can request a loss adjuster, arrange a workshop appointment, and receive the documentation the workshop provides against the claim file's reference.

Captive finance companies that bundle policies from several insurers can configure the insurer by vehicle or by owning company, without the driver needing to know which one it is.

Typical deployment structure in renting and captive finance
Level	Who	What they see and configure
Owner	Finance or leasing company	The whole fleet, consolidated claims data, workshop network, default recipients
Administrator	Brand, importer or client company	Its own fleet, its own managers, its own workshop network if it has one
Fleet	Company operating the vehicles	Its vehicles, its drivers, its claim files
Driver	Whoever is driving	Their report and the status of their claim file

What changes

What the claim file resolves in this deployment

A tree of owner, administrator and fleet

Each level has its own panel, managers and configuration. Claims data is consolidated upwards.

Insurer by vehicle

Finance companies bundling policies from several insurers configure the one that applies to each vehicle or company. The driver neither knows nor needs to.

The owner's workshop network

The network workshop appears as the first option after the report. Appointment, documentation and invoice against the claim file's reference.

Time to notification, measured

The claim file records when the claim happened and when notification arrived. It is the data that does not currently exist and that decides downtime.

A claims database

By owner, by brand, by fleet and by vehicle. For talking to insurers using fleet data.

Injured parties excluded from scope where decided

The deployment can be limited to material damage. Health data stays outside the circuit.

See the report on a leased vehicle

Thirty minutes with a leased vehicle, the lessee as driver and the finance company as recipient.

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Getting started

Three steps and weeks, not months

Onboarding and fleet upload
The company uploads its vehicles with policy, insurer and recipients. Once.
Identifiers on the vehicles
One QR per vehicle, physical or digital, and credentials for each driver. No classroom training.
First real report
From the first accident the claim file reaches whoever the company decided. Reviewed after thirty days.

Calculator

What the gap between the crash and the first data costs

Use your own assumptions. The estimate is yours, not ours, and it is not a promise of results.

Reports per year0

Annual cost of the gap, today0

With the report in minutes0

Estimated difference0

Second column assumption: the complete report arrives the same day (0.25 days) and admin time per report drops to half an hour. Adjust the assumptions to your case.

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Frequently asked questions

Does it work with several insurers in the same fleet?

Yes. The insurer is configured by vehicle or by owning company, and the report reaches the right one without the driver having to choose.

Can the owner request a loss adjuster or a workshop appointment from the claim file?

The owner, as a party to the claim file, can authorise a loss adjuster and workshop and receive their documentation against the reference. The request and appointment are managed on the claim file.

Can injured parties be excluded?

Yes. Scope can be limited to material damage. Health data is a special category and never circulates under policy-based permission.

How does it integrate with the owner's systems?

By email with PDF from day one, and by API for data structured by segment. The scope of the data output is defined during implementation.

Can we start with one brand or one client company?

Yes. The tree is deployed by level, and the owner can stage activation by brand, by country or by company.

Company fleets

The driver completes the report via the vehicle's QR code, no app, no need to know who insures it. The fleet gets the claim file in minutes, with photographs.

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