Aviva urges brokers to prepare clients for winter

Aviva is urging brokers to help clients prepare their fleets for winter as its commercial motor claims data from 2021 to 2025^[1] shows that collision claims rose by an average of almost a fifth (19%) between August and November each year.

The seasonal rise further increased in 2025, when Aviva recorded 22% more collision claims in November than in August.

As winter approaches, darker nights and adverse weather can create additional risks for businesses that rely on fleets to keep their operations moving. Aviva is encouraging brokers to discuss these risks with clients and share practical steps to help businesses protect their fleets, minimise disruption to their operations, and keep employees safe on the road.

Kelly Whittington, Commercial Claims Director, Aviva, said: “We know that keeping employees safe is a priority for our clients, whatever the weather. However, as winter sets in, poor conditions can make driving more challenging, increasing the risks facing employees behind the wheel.

“Extreme weather is no longer a one off – it is a recurring challenge that businesses must consider. By sharing some simple steps, such as checking vehicles properly, planning journeys and preparing drivers for delays, we can help clients protect their employees this winter and avoid the wider disruption that comes with having a vehicle off the road.  

“When an incident does occur, acting quickly can make a big difference. That’s why we are encouraging clients to report claims by the end of the next calendar day and use Solus – our own nationwide network of repairers. Eligible Minifleet customers who do both can cut their excess by up to £200^[2] – and benefit from up to 50% faster repair times. Working together, we can help get clients back to business, quickly and safely.”

Aviva’s tips for protecting your clients on the road:

• Question if the journey is necessary: Before setting off, check weather forecasts and emergency alerts. If conditions are poor, decide if the journey can be postponed or whether safer alternative routes are available.
• Prepare and inform drivers: Ensure drivers are prepared for adverse weather by providing clear guidance on safe driving, essential emergency equipment, and what to do in the event of a breakdown. Once drivers are on the road, managers should closely monitor weather and road conditions, ensuring drivers receive up-to-date guidance and pausing vehicle movements where conditions present an unacceptable risk.
• Conduct vehicle checks: Make sure vehicles are serviced, have sufficient fuel or battery charge for the journey, accounting for possible reductions in battery range due to cold weather. Conduct normal pre-journey checks, such as checking washer fluid levels – this is particularly important when low winter sun can increase glare. Make sure loads are secure and weight is distributed evenly, especially when driving in windy conditions.
• Drive to the conditions: Wet weather can increase stopping distances and the risk of aquaplaning. Drivers should adapt to the conditions by slowing down, increasing distance from the vehicle ahead, and taking extra care on bends or exposed sections of road. If conditions worsen, drivers should contact management to agree on the best course of action.
• Be flood aware: Avoid driving through flood water - just 30cm of fast flowing water is enough to move a car. Drivers who have driven through deep water should apply their brakes gently when it’s safe to do so to check if they are working as expected. If flooding is forecasted, avoid parking near rivers, the sea, or other flood risks wherever possible.
• Take regular breaks: Driving in adverse weather can increase fatigue, as poor visibility and slippery road conditions demand greater concentration and continual adjustments behind the wheel. Regular rest breaks are important to help drivers stay alert, focused and safe.
• Prepare for delays: Drivers travelling in challenging conditions should keep warm clothing, food, and drink in the vehicle, keep mobile phones fully charged and have relevant recovery numbers available.  Many company cars and commercial vehicles have telematics fitted but if not, employees should share routes with management to make sure they can be located in the event of an emergency or delay.
• Report quickly: The sooner your insurer is notified of an incident, the sooner they can progress your claim and get your vehicle back on the road. For eligible Minifleet customers, Aviva offers flexible online reporting options for both brokers and clients, as well as a £100 excess reduction when they notify Aviva by the end of the next calendar day.^[2]

For brokers and businesses looking for further advice on how to protect their fleets from the impacts of adverse weather, Aviva Risk Management Solutions offers proactive risk advice to help prevent businesses facing disruption before it occurs.

Aviva’s library of Loss Prevention Standards contains free-to-use risk management guides, covering topics such as driver education, driving in adverse weather, and protecting vulnerable road users. Brokers and clients can also find guidance on a range of seasonal risks, helping businesses protect their fleets, properties, and employees against the risks the winter months can bring.

-ends-

References:

^1. _{Analysis of Aviva commercial motor claims data, 2021-2025. [↑]}

^2. _{Customers who have a Minifleet policy via FastTrade are eligible for £100 reduced excess when incidents involving another vehicle are reported by the end of the next calendar day. To qualify, reports should include key details such as how the incident occurred, the other driver’s name, contact details and registration, alongside photos or witness information where available. Customers are eligible for a further £100 reduction when choosing to use Aviva’s wholly owned repairer Solus, or another approved repairer. [↑]}

Enquiries: