PulsePro: Safety and Savings for Your Fleet

At PulsePro, we are dedicated to reducing the incidence of collisions involving tractor-trailers. We are so confident in the safety benefits of the PulsePro that if you equip all the trucks in your fleet with a PulsePro, each of those trucks will benefit from a complimentary 2-year $5,000 deductible reimbursement coverage underwritten by Aviva Insurance Company of Canada, together with optional add-on coverage for even greater financial flexibility.*

* Coverage is subject to underwriting approval by Aviva Canada

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The Challenge of High Insurance vs High Deductibles

We get it—your commercial auto insurance is costly, but without it, you can’t operate your business. To manage costs, you may turn to higher deductibles, which can lower insurance premiums. While this “self-insuring” strategy saves money upfront, it leaves you exposed to steep out-of-pocket costs when an accident occurs.

This is where the PulsePro Deductible Reimbursement Coverage (“PDRC”) steps in. This coverage is designed to offset the risk of high deductibles. When an accident happens, it reimburses all or part of the deductible you must pay out-of-pocket, helping mitigate the financial impact of unexpected costs on your business.

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You can receive $5,000 in Deductible Reimbursement Coverage at no additional cost

When you equip your fleet with the PulsePro, each truck can be protected by a $5,000 PDRC in the event of a collision claim occurring over a 2-year period at no cost to you.

With the complimentary PDRC, you can:

• receive up to $5,000 in deductible protection

or

• lower your auto insurance premium by choosing a higher deductible.

LET’S LOOK AT SOME EXAMPLES.

EXAMPLE 1 – The complimentary PDRC can lower your financial exposure

Scenario: A trucking company’s fleet truck is involved in a collision, resulting in a $40,000 claim. The auto policy includes a standard deductible of $10,000.

• Without the complimentary PDRC:

The trucking company pays the full $10,000 deductible out-of-pocket before the auto policy covers the remaining $30,000

• WITH the complimentary PDRC:

The company still pays the initial $10,000 deductible but is reimbursed $5,000 under the PDRC, effectively cutting its out-of-pocket expense to $5,000

Alternatively, the trucking company may be interested in lowering its annual auto insurance premium instead of lowering the potential out-of-pocket deductible expense.

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EXAMPLE 2 – Applying the complimentary PDRC to lower your insurance premiums without increasing financial exposure

Scenario: With the PulsePro installed and the $5,000 PDRC applied to its fleet, the trucking company notifies its auto policy insurer to increase its standard deductible from $10,000 to $15,000.

The impact of increasing its deductible combined with the $5,000 PDRC:

• Increasing the deductible will allow the trucking company to lower its auto insurance premiums throughout the 2-year term of the PDRC, which can lead to substantial savings

• The trucking company pays the $15,000 deductible upfront in the event of a claim

• Under the PDRC, the trucking company is reimbursed $5,000 of the $15,000 paid

• Net Result: The company benefits from lower auto insurance premium during the 2-year term of the PDRC without increasing its financial exposure by keeping the potential deductible payment at the same level the company had before the PDRC.

For more details about the PDRC, please contact Assuraction Transport Expert.

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Optional Add-On Coverage for Greater Flexibility

For even greater control over your deductibles and premium costs, the purchase of the PulsePro for your fleet also makes you eligible to purchase up to $20,000 in additional deductible reimbursement coverage at a low cost. This additional coverage, available exclusively when installing the PulsePro, means even greater financial flexibility, allowing you to increase your deductible even more to achieve potentially even greater savings on your premiums without the risk of higher out-of-pocket expenses throughout the 2-year term.

Contact Assuraction Transport Expert to consult whether optional add-on coverage is right for you.

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In a nutshell….

The Financial Benefits of the PulsePro Deductible Reimbursement Insurance Program

• Lower Net Deductible: The first $5,000 of your deductible will be reimbursed to you, compliments of PulsePro, should you install a PulsePro on all the trucks in your fleet.

• Premium Savings: Alternatively, the PulsePro Deductible Reimbursement Insurance Program offers you the possibility to increase the deductible on your auto insurance policy and benefit from lower premium.

• Greater Flexibility: You could also choose to buy extra deductible coverage at competitive rates, giving you even greater flexibility in premium savings.

Finally, with the PulsePro reducing collisions across your fleet, your company benefits from improved claims history, paving the way for better insurance terms in the future…

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Why Choose PulsePro?

PulsePro doesn’t just enhance fleet safety—it empowers your business with greater financial flexibility. With fewer collisions and better claims history, PulsePro ensures that your business thrives both operationally and financially. And with the deductible reimbursement coverage offered with your purchase, you can gain the freedom to choose higher deductibles without the higher financial exposure.

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Interested in Learning More about the PulsePro Complimentary Deductible Reimbursement Coverage or the Optional Add-On?

Contact Assuraction Transport Expert, authorized insurance broker, and discover how the PulsePro Deductible Reimbursement Insurance Program can drive down your insurance costs while boosting fleet safety. The information provided in this website is for informational purposes only and should not be considered legal or insurance advice.