How to Lower Insurance Premiums with MANTIS Connected Fleet Cameras

The Problem: Expensive Tech, Zero Savings

Fleet operators everywhere face the same relentless challenge: insurance premiums are soaring. To fight back, many have invested in vehicle camera systems, expecting the video evidence to instantly reduce claims and secure lower rates.

The harsh reality? These expensive investments often fail to deliver the expected savings. This frustration leads many to give up on the technology entirely.

The issue is rarely the camera itself. The flaw is in the strategy—how the data is used (or, more often, not used).

The Only Metric That Matters: Your Loss Ratio

If your goal is to lower premiums, your focus must be on improving your Loss Ratio. Insurers use this simple calculation to determine your risk level:

Loss Ratio = Total Premiums Paid / Total Claims Paid Out X 100%

Insurers generally evaluate your loss ratio to determine premium changes:

• Below 40%: You are considered low-risk, and a premium reduction is probable.

• 40% to 50%: Your risk is average, and your premiums will probably hold steady.

• Above 50%: Expect a premium increase at your next renewal due to higher risk.

To favourably impact your loss ratio, you must actively reduce the total amount your insurer pays out on claims. A properly implemented, multi-camera system is the key to achieving this.

3 Proven Strategies: How to Use Cameras to Cut Claims Costs

1. Prevent Own-Fault Collisions

Use camera footage to identify risky driving habits (e.g., harsh braking, tailgating, distraction) and coach drivers with real examples. Building a proactive safety culture reduces avoidable accidents and own-fault claims.

2. Dispute Non-Fault Claims Effectively

A 360° camera system provides clear evidence to refute false or exaggerated claims, including “crash-for-cash” scams. Successfully challenging these claims protects your loss ratio and lowers renewal premiums.

3. Speed Up Claims Resolution

Quick access to footage helps insurers determine liability fast, preventing inflated third-party costs (like hire cars) and keeping claims spend low. Faster resolution directly improves your loss ratio.

The Solution: MANTIS Connected CCTV with collision insights

MANTIS camera systems ensure uninterrupted 360-degree visibility across up to 12 channels, covering the front, rear, and sides, plus continuous monitoring of the driver and load—all viewable LIVE. Their driver-facing AI cameras automatically detect and flag potential concerns such as smoking, drinking, distraction, driver fatigue or not wearing a seat belt - allowing companies to proactively engage with drivers to provide the targeted coaching needed to improve safety and compliance. 

With unrivaled connectivity, MANTIS keeps you online even in remote locations. It's multi-network 4G system automatically switches to the strongest available signal, safeguarding data and ensuring you stay connected when it matters.

Collision insights is a powerful new feature within RECON, and available as an additional programme with Pro subscriptions. It fundamentally changes the claims process by providing a First Notification of Loss (FNOL) collision reconstruction report. After an incident, it automatically gathers all relevant data —including camera footage, GPS tracking and G-force readings, as well as weather and road conditions—to instantly generate a single, irrefutable report that can be shared immediately with an insurance provider. Drivers can also add notes, photos and contact details from the other party, neatly packaging all the information so fleet managers can review, compile and send the complete report in one go. This not only streamlines the claims process but also helps reduce claim costs by minimising insurer workload and reducing resolution times. 

The Bottom Line: Simply installing cameras is not a strategy

If your camera system is not actively helping you reduce own-fault incidents, dispute non-fault claims, and speed up resolution times, it is nothing more than an expensive accessory.

The fleets that consistently secure better insurance rates are the ones that treat their camera systems not as a regulatory checkbox, but as a critical operational tool for managing risk and cost. Thanks to MANTIS connected CCTV and collision insights, this process becomes both simplified and seamless.

If you're ready to transform how your fleet operates, contact us today. Our team are here to help you implement a camera system that truly works for you - safer, smarter and more connected than ever before.