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Polityka prywatności Your Privacy Trust Us with Your Information Who we are We are Fleet Accident Management Hub Limited, Company Number 16275468 and VAT registration no. 488 2688 26. Our main website address is: www.fleetamh.com What personal data we collect and why we collect it Comments When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection. An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment. Media If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website. Contact forms Cookies If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year. If you have an account and you log in to this site, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser. When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed. If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day. Embedded content from other websites Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website. These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website. Analytics Who we share your data with We do not share information provided via the website. How long we retain your data If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue. For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.What rights you have over your dataIf you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes. Where we send your data Visitor comments may be checked through an automated spam detection service. Fleet Accident Management Hub Limited is Registered with the Information Commissioner's Office, Registration reference: ZB872790

PCP CLAIMS UPDATE FROM FCA Start Now Courts have found that firms broke the law by failing to disclose important information to customers. An industry-wide scheme is the quickest and most cost effective way to deliver fair compensation. We had over 1,000 consultation responses and engaged extensively with consumer groups, professional representatives, firms, manufacturers, investors and industry bodies. While most respondents supported a scheme, we received much conflicting feedback on its details. We have listened and made several changes, set out in detail below, to design a final scheme which strikes the balance between sometimes competing principles such as simplicity and cost effectiveness, comprehensiveness and fairness. Our final approach is fair for consumers and proportionate for firms. We have tightened eligibility so only those treated unfairly receive compensation. Agreements involving minimal commission or zero APRs will not receive redress. Where a lender can prove there were visible links with a manufacturer and dealer, a contractual tie alone will not trigger compensation. The threshold for high commission cases has been modestly raised. These and other changes mean 12.1m agreements are now eligible for compensation, down from 14.2m at consultation. We have adjusted how compensation is calculated to better reflect greater loss between 2007-2014. We have also ensured that consumers are not put back in a better position than they would have been had they been treated fairly, so in around 1 in 3 cases compensation will be capped. Firms are expected to pay out around £7.5 billion in redress, down from £8.2 billion at consultation. We have also streamlined the scheme so consumers are compensated quickly and it is cost effective for firms to deliver. Millions of consumers will be compensated this year, most of the rest by the end of 2027. Lenders will only need to contact complainants or those due compensation and recorded delivery will not be required, helping to cut the cost to firms of delivering the scheme by over 40%. The estimated total bill to firms is down from £11 billion to £9.1 billion. We want to provide certainty for consumers and finality for firms and investors, supporting the ongoing availability of competitively priced motor finance. Our approach is the best way to resolve this issue in the interests of consumers, firms, investors and the market. We estimate the cost of dealing with complaints would be over £6bn more without a scheme. We expect everyone to get behind the scheme, and lenders to put things right promptly for their customers. We need to draw a line under the past and support a healthy motor finance market for the future. Scope Motor finance agreements taken out between 6 April 2007 and 1 November 2024 where commission was payable by the lender to the broker will be considered for compensation. Firms owe liabilities from 2007. If complaints from that date were not covered they would need to be dealt with individually by firms, the Financial Ombudsman Service and through the courts, resulting in higher costs, lengthy delays and greater uncertainty. We have the powers to include agreements before 2014. However, this was questioned by some consultation respondents. So, we will implement two schemes, one covering 6 April 2007 - 31 March 2014 and one from 1 April 2014 - 1 November 2024. If the earlier period is subject to legal challenge on these grounds, redress for consumers with agreements from April 2014 shouldn’t be delayed. Eligibility Consumers will only be considered for compensation if they weren’t told details of at least one of 3 arrangements between the lender and the broker (usually the dealer): A discretionary commission arrangement (DCA), which allowed the broker to adjust the interest rate the customer would pay to obtain a higher commission. A high commission arrangement (at least 39% of the total cost of credit and 10% of the loan). Contractual ties that gave a lender exclusivity or a right of first refusal, except where the lender can prove there were visible links with the manufacturer and dealer. There will be some exceptions, with cases considered fair, if: The commission was £120 or less for agreements beginning before 1 April 2014 and £150 or less from that date. Commission amounts below those levels are unlikely to have influenced the consumer’s decision or broker’s behaviour. The borrower wasn’t charged interest. The DCA wasn’t used to earn discretionary commission. The lender can prove, in certain limited circumstances, it was fair not to disclose one of the arrangements above or that the consumer did not suffer any loss. This includes if a tie wasn’t operated in practice or no better deal was available. Consumers who have successfully complained to the Financial Ombudsman, had their claim determined by a court or accepted redress will be excluded from the scheme. Claims for high value loans - higher than 99.5% of other loans that year - are also excluded, as they are not suitable for a mass-market redress scheme. These consumers can still complain to their lender and the Financial Ombudsman. Consumers generally have 6 years to bring a claim, but that may be extended where information about commission or a tie was deliberately concealed. We do not expect lenders to routinely find that cases are out of time to be considered for the scheme, given how poor disclosure was. However, firms can exclude cases only involving high commission and ending before 26 March 2020 if they can show that the fact commission was payable was clearly and prominently disclosed. If firms rule consumers out of the scheme on this basis, they must inform them and explain why. The consumer will have the right to challenge this with the Financial Ombudsman. Consumers whose arrangement is deemed fair under the scheme can ask the Financial Ombudsman to review whether the scheme rules were followed. They could still make a claim in court. Calculating redress Approximately 90,000 consumers whose cases align closely with the Johnson case considered by the Supreme Court will receive redress of all commission plus interest. We define these as cases involving an undisclosed contractual tie and/or DCA and very high commission of at least 50% of the total cost of credit and 22.5% of the loan. For all other cases, consumers will receive the average of estimated loss and the commission paid, plus interest (the hybrid remedy). The estimated loss is based on economic analysis that shows there was a difference in the APR on DCA loans compared to those with flat fee arrangements. Following feedback, we have enhanced our analysis, incorporating more agreement data and covering a longer period of 2017-2021. We estimate average loss to be equivalent to an APR adjustment of 17% for this period and apply it to agreements from 1 April 2014. Firms have advised that the availability of pre-2014 data is limited. Collecting such data risks delaying compensation for consumers and certainty for firms with no guarantee it would materially improve any estimate of loss. Feedback and supporting evidence from respondents indicate that more harmful forms of DCA were more prevalent in earlier years. Differences between average DCA and non-DCA APRs were also larger during this period, indicating greater financial loss. To reflect that, we have set an APR adjustment of 21% for pre 2014 cases. This sits at the mid-point between a 17% and 26% APR adjustment. The latter figure is, on average, equivalent to being repaid commission, which is the remedy reserved for those who suffered the most unfairness. The difference between APR-17% and APR-21% results in an increase to average redress of £31 for pre 2014 cases. We are also using these APR adjustments for the relatively small number of cases that didn’t involve a DCA, but involved high commission or a tie. Consumers should not be compensated more than if they had been treated fairly or than those who suffered the most unfairness. So in around 1 in 3 cases receiving the hybrid remedy, compensation will be capped at the lowest of: 90% of commission plus interest. The total cost of credit, adjusted to account for a minimal cost offered to only 5% of the market at the time, excluding 0% APR deals. The actual total cost of credit, calculated on a simpler basis. This may be the lower figure if the adjusted cost of credit can’t be accurately calculated, for example, if the lender doesn’t have the payment schedule. This means that about 64,000 agreements, where the APR was in the lowest 5% offered in the market at the time, excluding 0% deals, will not get compensation. Simple interest will be paid on compensation, based on the annual average Bank of England base rate per year plus 1% from the date of overpayment to the date compensation is paid. We have introduced a floor so the minimum interest rate consumers will receive for any year is 3%. Consumers will no longer be able to challenge the rate they get. How the scheme will operate There will be a short implementation period so firms can prepare. This will be up to: 30 June 2026 for loans taken out from 1 April 2014. 31 August 2026 for those agreed earlier. People who have already complained or complain before the end of the relevant implementation period will be compensated sooner. Lenders will have 3 months from the end of the implementation period to let complainants know whether they’re owed compensation and how much. Firms will only have to contact people who haven’t complained if they are potentially owed money or those who are timed out of the scheme, avoiding unnecessary and costly communication with customers who are not owed redress. Firms have 6 months from the end of the relevant implementation period to do so. Consumers must respond within 6 months if they wish to join the scheme. Consumers who are not contacted can still complain to their firm by 31 August 2027. Lenders can use a range of communication channels that best meet consumers’ needs, with appropriate safeguards to prevent fraud. Vehicle repair expenses Due to Pothole Damage have reached £1.8 billion. A new report by Kwik Fit on pothole damage indicates that costs have hit an all-time high of £1.8 billion over the year. Since 2013, Kwik Fit has tracked pothole repair costs through its Pothole Impact Tracker (P) report. Their latest findings reveal that in the last twelve months, 12.8 million drivers vehicle damage from potholes, incurring an average repair cost of £137. The previous peak for annual repair expenses was in 2022, totaling £1.7 billion. While the PIT report noted a decrease in damage costs for 2023-24, they rose again to £1.7 billion in 5 and have now reached a new high this year. The most repairs involved tyres (56%), wheels (32%), and suspension components (24%). Dan, Kwik Fit's operations director, stated, “Our annual PIT report shows that the situation is the worst it has been since we started monitoring the cost of damage.” Overall, 62% of drivers believe that roads in their area are in worse condition than a year ago, with 37% stating they are significantly worse. In London, 37% of drivers feel the roads are worse, while 30% think they have improved. In contrast, 80% of East Midlands drivers report deterior road conditions, only 10% feeling they are better than last year. WHY WE NEED TO HELP YOU Customer complaints regarding used car transactions increased last year, as reported by The Motor Ombudsman. In its annual Insight Report published last Tuesday (Feb 17), the organization revealed that consumer complaints related to car sales rose to 18,570 in 2025, marking a14% increase from 16,317 the previous year. Despite this rise, these complaints still represented only 0.2% of all used car sales in the UK—approximately one in 420, to one in 468 in 2024. The report highlighted that nearly half of the complaints (40%) stemmed from dissatisfaction with customer service, either during the purchase process or throughout ownership. Key issues included vehicles sold with undisclosed modifications and histories, as well as consumers facing delays in responses to their inquiries. Other frequent complaints involved delays in parts supply for repairs, damage to vehicles during servicing, and discrepancies in warranty coverage when filing repair claims. From a mechanical perspective, 35% of complaints were related to engine and powertrain faults, while 5% pertained to exterior issues, 4 to fuel and emissions systems, another 4% to electrical systems, and 3% to tyres. In response to these findings, Bill Fennell, chief ombudsman and managing director of The Motor Ombudsman, noted that the substantial volume of used cars sold last year naturally led to an increase in complaints regarding consumer experiences. He stressed the importance of high customer service standards, especially given the significant financial investment involved in purchasing a car. Fennell emphasized that many retailers failed to meet customer expectations, resulting in dissatisfaction. He also the significance of accreditation to the Vehicle Sales Code, which provides a safety net for both businesses and consumers, ensuring that The Motor Ombudsman can mediate complaints fairly and help maintain positive relationships. OUR NEW "ONE STOP SHOP" SERVICE

Celem poniższego szablonu jest pomoc w napisaniu oświadczenia o dostępności. Należy pamiętać, że jesteś odpowiedzialny za zapewnienie, że oświadczenie Twojej witryny spełnia wymagania lokalnego prawa w Twojej okolicy lub regionie. *Uwaga: Ta strona ma obecnie dwie sekcje. Po zakończeniu edycji poniższego Oświadczenia o dostępności musisz usunąć tę sekcję. Aby dowiedzieć się więcej na ten temat, przeczytaj nasz artykuł „Dostępność: dodawanie oświadczenia o dostępności do witryny”. OŚWIADCZENIE O DOSTĘPNOŚCI Ostatnia aktualizacja niniejszego oświadczenia miała miejsce dnia [wprowadź odpowiednią datę]. My w [wprowadź nazwę organizacji/firmy] pracujemy nad tym, aby nasza witryna [wprowadź nazwę i adres witryny] była dostępna dla osób niepełnosprawnych. Czym jest dostępność sieci WWW Dostępna witryna pozwala odwiedzającym z niepełnosprawnościami przeglądać witrynę z takim samym lub podobnym poziomem łatwości i przyjemności, jak inni odwiedzający. Można to osiągnąć dzięki możliwościom systemu, na którym działa witryna, oraz za pomocą technologii wspomagających. Dostosowania dostępności na tej stronie Dostosowaliśmy tę witrynę zgodnie z wytycznymi WCAG [2.0 / 2.1 / 2.2 - wybierz odpowiednią opcję] i uczyniliśmy witrynę dostępną na poziomie [A / AA / AAA - wybierz odpowiednią opcję]. Zawartość tej witryny została dostosowana do współpracy z technologiami wspomagającymi, takimi jak czytniki ekranu i korzystanie z klawiatury. W ramach tych działań, dokonaliśmy również [usuń nieistotne informacje]: Użyłem Kreatora ułatwień dostępu, aby znaleźć i rozwiązać potencjalne problemy z dostępnością Ustaw język witryny Ustaw kolejność treści stron witryny Zdefiniowano przejrzyste struktury nagłówków na wszystkich stronach witryny Dodano alternatywny tekst do obrazów Wdrożono kombinacje kolorów, które spełniają wymagany kontrast kolorów Zredukowano wykorzystanie ruchu na stronie Zapewniono dostępność wszystkich filmów, plików audio i innych materiałów wideo w witrynie Deklaracja częściowej zgodności ze standardem z uwagi na zawartość pochodzącą od osób trzecich [dodać tylko jeśli dotyczy] Dostępność niektórych stron w witrynie zależy od treści, które nie należą do organizacji, a do [wprowadź odpowiednią nazwę strony trzeciej] . Dotyczy to następujących stron: [wymień adresy URL stron] . Dlatego deklarujemy częściową zgodność ze standardem dla tych stron. Ustalenia dotyczące dostępności w organizacji [dodać tylko, jeśli dotyczy] [Wprowadź opis rozwiązań dotyczących dostępności w fizycznych biurach / oddziałach organizacji lub firmy Twojej lokalizacji. Opis może obejmować wszystkie bieżące rozwiązania dotyczące dostępności — począwszy od początku usługi (np. parking i / lub stacje transportu publicznego) do końca (takie jak punkt obsługi, stolik w restauracji, sala lekcyjna itp.). Wymagane jest również określenie wszelkich dodatkowych rozwiązań dotyczących dostępności, takich jak usługi dla niepełnosprawnych i ich lokalizacja oraz akcesoria ułatwiające dostęp (np. w indukcjach audio i windach) dostępne do użytku] Prośby, problemy i sugestie Jeśli na stronie znajdziesz problem z dostępnością lub potrzebujesz dalszej pomocy, możesz skontaktować się z nami za pośrednictwem koordynatora ds. dostępności danej organizacji: [Nazwa koordynatora ds. dostępności] [Numer telefonu koordynatora ds. dostępności] [Adres e-mail koordynatora ds. dostępności] [Wprowadź wszelkie dodatkowe dane kontaktowe, jeżeli są istotne/dostępne]

How the use of Advanced AI can Save Money

Zgłoś wypadek CYFROWE ROZWIĄZANIE DO ZARZĄDZANIA WYPADKAMI Kim jesteśmy Specjaliści ds. zarządzania wypadkami W FAMH jesteśmy zespołem oddanych specjalistów ds. zarządzania wypadkami flotowymi, którzy zobowiązali się do świadczenia najwyższej jakości usług dla wszystkich potrzeb Twojej floty. Dzięki wieloletniemu doświadczeniu i pasji do samochodów staramy się zapewnić wyjątkowe wsparcie, aby Twoje pojazdy działały płynnie i bezpiecznie. Usługi Co oferujemy Zapoznaj się z naszą ofertą profesjonalnych usług flotowych, które mają na celu zaspokojenie wszystkich Twoich potrzeb w zakresie zarządzania wypadkami samochodowymi. Od drobnych problemów po skomplikowane naprawy, mamy wiedzę specjalistyczną i zasoby, aby zapewnić kierowcom Twojej floty najlepszą możliwą opiekę. Ocena 1Inspekcja inżynierska Przeprowadzamy szczegółowe inspekcje, aby ocenić stan Twojego samochodu i zalecić wszelkie niezbędne prace konserwacyjne lub naprawy. Zaufaj nam, że utrzymamy Twój samochód w najlepszym stanie i szybko zajmiemy się wszelkimi problemami. Remont Certyfikowani naprawiacze 2A PAS Nasze usługi naprawcze mają na celu przywrócenie wydajności i bezpieczeństwa Twojego pojazdu, pozwalając Ci jeździć z pewnością siebie. Priorytetem jest dla nas jakość wykonania i dbałość o szczegóły w każdej naprawie, którą podejmujemy. Naprawa i gwarancja części 3 Gwarancja Wszyscy nasi naprawiacze są zatwierdzeni przez PAS i producenta. Wszystkie wykonywane prace objęte są 3-letnią gwarancją na części i wykonanie.