PHLYTRAC Vehicle Telematics: An Agent's Perspective


The PHLYTRAC vehicle telematics program is a powerful fleet management tool that gives our auto insureds dynamic insights into driver behavior, vehicle stats, and more to help them make informed decisions regarding fleet safety. We know our agency partners want to be fully informed about how this program will impact our mutual customers. Here we will address some of these questions and also provide a first-hand account of the program through the eyes of an agent.


Who qualifies for PHLYTRAC?

PHLY auto customers with fleets of any size qualify for the PHLYTRAC telematics program. Whether they have five vehicles or 500, if the customer has vehicles insured with PHLY, they are eligible to protect their fleet with PHLYTRAC. This program is also available regardless of premium amount.


What are the features of PHLYTRAC?

The program includes alerts for speeding, hard braking, hard acceleration, and idling. The user can monitor seatbelt usage and the location of the vehicles via online maps in real-time. Geofences can be set up to ensure vehicles are operating where they should be. PHLYTRAC can even send a notification if a check engine light is activated. The customer can customize all of these notifications, including who receives them and what threshold triggers them.


How much does PHLYTRAC cost?

PHLY realizes that cost can be a barrier to many organizations who wish to use telematics. That is why the service is provided at no cost to our auto insureds. Insureds may choose to include add-on features for an additional cost, such as dashboard cameras, driver identification software, and a preventative maintenance package.


Is the customer stuck in a contract?

The customer may choose to cancel the program at any time. They are only required to sign a usage agreement outlining their commitment to maintaining basic formal fleet management policies and procedures (such as having a written fleet safety policy and conducting Motor Vehicle Report (MVR) reviews).


Will the insured's premium go up/down?

Participation in the PHLYTRAC program does not alter or otherwise change the insured's auto policy. Unlike Usage-Based Insurance (UBI) programs that can adjust premiums based on the data, PHLYTRAC does not change how our auto policies are rated.

In short, the PHLYTRAC program boils down to this: in exchange for the PHLY customer's commitment to maintaining basic formal fleet management policies and procedures, PHLY provides a GPS solution for their vehicles and access to the data at no additional cost. In order for PHLY Risk Management Services to provide appropriate support for the customer, we maintain access to the GPS data. This allows us to be a full partner in the customer's efforts to modify driver behavior, one of their largest exposures.

Watch the video below to hear one of PHLY's agency partners provide his perspective of the PHLYTRAC program and how it has impacted his clients.



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IMPORTANT NOTICE - The information and suggestions presented by Philadelphia Indemnity Insurance Company are for your consideration in your loss prevention efforts. They are not intended to be complete or definitive in identifying all hazards associated with your business, preventing workplace accidents, or complying with any safety related, or other, laws or regulations. You are encouraged to alter them to fit the specific hazards of your business and to have your legal counsel review all of your plans and company policies.

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