INSURANCE BROKERS AND MGAS
Price commercial auto on what vehicles actually drive.
Fuelshine reads odometer and location from the vehicle itself, so declared mileage can be checked against driven mileage. Sharper underwriting, stronger claims files, and a tool your fleet clients will want.
A conversation, not a demo. Nothing to integrate.
What it gives your book
✓
Underwriting you can check
Odometer and location from the vehicle, not a self-reported estimate.
✓
Claims files with evidence
A verified trip record to test a stated use pattern against.
✓
Renewals on real exposure
Actual trends, not last year's estimate.
For company vans and pickups under 10,001 lb
WHY PARTNER
Why a broker or MGA partners with Fuelshine
Most of what Fuelshine does helps the fleet directly. One part reaches what you price, pay and underwrite, and that is where we lead
01
Narrow the under-declared mileage gap
Under-declaring mileage to land in a cheaper band is a real category of misrepresentation. Vehicle-side odometer data narrows the gap and reduces adverse selection.
02
Give claims something to check against
When business versus personal use is disputed at time of loss, a verified trip record gives your team something to test a stated pattern against.
03
Renew on real trends
See how exposure actually moves across the portfolio instead of waiting for the next self-reported figure
04
A differentiator to offer fleet clients
Fuel verification is a tool you can put in front of your book. It is a retention tool, not an underwriting input, and we won't claim it moves your loss ratio.
YOUR EDGE
What changes in your commercial auto book
Today
×
×
×
Mileage on the policy is whatever was declared at quote.
Business-use disputes can turn on what each side says.
Renewal pricing rests on a stale estimate.
With verified exposure
✓
✓
✓
Declared mileage can be checked against the vehicle's own odometer.
Claims have a timestamped record to test a stated pattern against.
Renewal conversations start from real exposure.
RUNNING ON A REAL FLEET
The odometer and location readings behind Fuelshine come straight from the vehicles, and they are live today on a commercial fleet. That is the same data layer your underwriting and claims teams would draw on, so a conversation with us starts from a running system, not a slide.
WORKING TOGETHER
How we could work together
All of it exploratory, none of it exclusive.
1
Now: a 30-minute conversation
About your commercial auto book and where exposure data would change a decision.
2
If it lands: a small data-sharing pilot
A handful of consenting accounts, verified exposure data, three months
3
Alongside: referral and co-sell
Once we've talked, on terms that fit how you work
4
Direction only: a co-branded EcoPoints reward
Where this could go once the scoring behind it matures.
WHERE IT FITS
Which vehicles, which record
Company vans and pickups under 10,001 lb
Vehicle-verified odometer and location, through the manufacturer's own connection.
Employees' own cars used for work
A phone-based, timestamped trip log tagged Business or Personal. A trip record, not a vehicle-verified one.
Vehicles at or above 10,001 lb, where the federal ELD mandate applies, are outside what we cover.
WHERE THIS GOES NEXT
What we'd build with a partner
-
Roadmap
EcoPoints with your name on it
The points and levels screens are live in the app. The scoring model behind them is still being validated, so a co-branded reward is a direction, not a product.
STRAIGHT TALK
What runs today: verified exposure from the vehicle's odometer and location, and the fuel-receipt checks. Mileage compliance records are strong for the IRS and in progress for the CRA. Any premium discount is a decision for your underwriters, and we promise none.
QUESTIONS
Three questions we expect
Does this change what we price?
Verified exposure is built to inform underwriting. Fuel verification is not an underwriting input.
What do policyholders get?
A cleaner record of business use. Any premium discount is for your underwriters to decide.
Is there anything to integrate?
Not to start. The first step is a conversation
NEXT STEP
Tell us where exposure data would change a decision
A 30-minute conversation about your commercial auto book. Not a go-live pitch.
Not a demo. No commitment.