What do insurers and brokers commonly ask for?
There is no single list. Each insurer and broker sets its own requirements, and they differ by country, vehicle type and cover. Still, the same seven records come up often at renewal and after an incident.
| Record | Typical request | Questions |
|---|---|---|
| Driving-behavior reports | Monthly report with speeding, harsh events and alert counts, and notes on follow-up. | Q5, Q1 |
| Incident clips with time and place | Footage of the event that shows when and where it happened. | Q8, Q2 |
| Driver identification log | Which driver had which vehicle at a given time. | Q4 |
| Driver training records | Dates and topics per driver, including training after alerts or incidents. | Q6 |
| Video retention and access policy | The written retention period, who may view and export, and how exports are logged. | Q3, Q10 |
| Maintenance and inspection log | Service and inspection dates for each vehicle. | Q9 |
| Incident-reporting procedure | Who to call, the time limit and what to collect. | Q7 |
Treat the list as a starting point. Ask your broker which records your policy and claims team want, and keep them current.
How is the score calculated?
Each answer earns credit: yes is 1, partly is 0.5 and no is 0. Every question has the same weight by default. The score is the weighted credit as a percentage, rounded to a whole number, and the band comes from that number.
A record is only as strong as the weakest answer behind it. Incident clips need cameras and a way to retrieve them, so a fleet with cameras but no retrieval test still shows a gap.
| Band | Score | What it suggests |
|---|---|---|
| Ready to present | 75 - 100indicative | Your records look strong. Check the list with your broker before you submit. |
| Partly ready | 45 - 74indicative | Some records exist. Close the top gaps before renewal. |
| Not ready yet | 0 - 44indicative | Start with written procedures and logs, then plan devices. |
Typical values. The 75 and 45 limits and the equal weights are editable defaults in the page configuration. They are not insurer thresholds.
Worked example
The default answers give a score of 55. The example answers are not a benchmark.
- Three yes answers (tracking, incident procedure, maintenance log) earn 3.0 credits.
- Five partly answers (cameras, retention, behavior reports, training, video access) earn 2.5.
- Two no answers (driver identification, footage retrieval) earn 0. Total 5.5 of 10, so the score is 55: partly ready.
- Records: 2 ready (maintenance log, incident procedure), 3 to check, 2 missing (driver identification log, incident clips).
- The two largest gaps cost 10 points each: driver identification and footage retrieval.
How do you read the result?
- The score starts a conversation. Two fleets with 55 can have different gaps, so read the record list before the number.
- Partly is a real answer. It tells you where the next hour of work goes.
- Paper gaps close this week. Procedures, logs and policies need a decision, not a device.
- Device gaps take weeks. Cameras and driver identification need fitting and a test before they produce records.
- Repeat after each change. Keep the dated reports as your own history.
How do you close the gaps before renewal?
Work in this order. The first three steps cost time, not money.
Write down what you already do
Put the incident procedure, the retention period and the video access rules on paper.
Start the logs
Driver training, maintenance and a monthly review of behavior reports, each with a date and a note.
Test retrieval
Pick a past trip and produce the footage, time and position. Time it, and fix what slowed you down.
Fit devices where records cannot exist without them
Tracking, cameras and driver identification create records that no spreadsheet can.
Keep the reports
A few months of dated reports show a pattern, which is stronger than a single report.
Show the file early
Take it to your broker well before renewal and ask what is missing.
Assumptions and limits
The answers are self-reported and not checked. Weights are equal by default and the bands are indicative. The quiz uses no insurer data and promises no change in premium, cover or claims outcome. It is not an insurance, audit or compliance assessment. To go deeper, see the Footage Access Request and Chain-of-Custody Log.
Camera policies, driver notices and retention periods depend on the law where you operate. Check the current official text and ask your legal adviser before you rely on any policy you write.