## HDVI HIGH DEFINITION VEHICLE INSURANCE ## Take control of risk and insurance costs Modern insurance driven by service, safety, and savings. --- # Drive safe. # Reduce premiums. # We deliver savings and value with ® HDVI Shift dynamically-priced trucking insurance Now you can take control of your truck fleet’s insurance costs by earning a monthly discount for safe driving. **Rather than wait months** **to see a discount from** **your insurance provider,** **HDVI allows fleets to earn** **discounts for safety in** **real-time.** ## STEP 1 First, HDVI sets a standard rate before analyzing telematics data based on traditional underwriting methods. ## STEP 2 Second, we use Safety Lookback to assign an upfront discount based on safety. The average starting discount is a little under 10%, locked in at the policy's starting rate. ## STEP 3 Third, HDVI rewards safety during the policy period, with tools and services to help fleets achieve additional rate savings. *The Shift discount may go up or down* *each month based on safety performance,* but ***monthly premium will never exceed*** ***the starting rate*** *from the quote.* --- # HDVI brings you the tools and services you need to take control of risk and your insurance costs ## Fleet services insights and coaching Every customer is assigned an experienced fleet service representative, who helps them analyze their telematics data and dash cam videos to understand risks, discuss best practices for safety management and coaching, and run a more efficient business. ## Fleet safety tools and resources HDVI gives customers tools to help them understand areas of risk in their fleet and take action to mitigate them. This includes a Fleet Portal to track safety and risk trends and the built-in Driver Rewards platform and Driver+ mobile app that helps drivers understand and get rewarded for their safety performance. --- “With HDVI Shift, Driver Rewards, data insights and consultation services, transportation insurance of the future is finally here.” Brian Crawford Safety Director, Huddleston Enterprises --- “Our HDVI fleet services representative has been a game changer for us. We really lean on him for support in improving our overall safety score.” Rob Jacobi CEO, Security Transport --- ## Comprehensive, flexible trucking insurance coverages HDVI gives trucking companies broad coverage, flexible payment terms, enhanced coverage forms, and never any hidden fees. Fleets get the insurance they need and peace of mind knowing their business is safe. ## Auto Liability Bodily injury/property damage at a $1 million limit with deductible options from $1k to $100k; sub-coverages include uninsured motorist/underinsured motorist, hired auto and non-owned. ## Physical Damage Collision, Comprehensive, and Specific Cause of Loss coverage offered. Combined deductible (cargo) options at $1k-$10k. Unlimited towing. Loss of use, electronic and miscellaneous equipment, personal affects and downtime. GAP, non-owned trailer, trailer interchange, and enhanced coverages. ## Motor Truck Cargo Cargo legal liability with limits up to $250k combined deductible (physical damage) options at $1k to $10k. Additional coverages offered include refrigeration breakdown, temperature control, named shipper, and enhanced coverages. ## Truckers’ General Liability Premises and operations limit at $1 million per occurrence, $2 million aggregate. --- # HDVI is modern trucking insurance for today’s fleet ## We help you get the most from your telematics to reduce risk ## telematics to reduce risk premiums We tap into your ELD and dash cam data to help you identify and mitigate risk. We also give you a secure portal to access your data, a video training system, and a rewards platform to help you engage your drivers. ## We handle claims quickly and efficiently When accidents happen, we support you with 24x7 reporting and an expert in-house claims team to help you manage an efficient process and get the best outcome as quickly as possible. ## We reward safety with discounts on monthly premiums HDVI Shift is the first dynamically priced insurance product in commercial auto. We start with competitive pricing and then let you earn a monthly discount of up to 20% for safe driving. ## We help you improve safety During the policy period, our fleet safety experts meet with you to help identify risks that impact your safety and the monthly discounts you earn. We even help with coaching, mock audits, and Data Qs. --- ## HDVI helps fleets achieve positive safety outcomes Through our unique approach, HDVI is helping customers achieve improvements in critical safety factors that impact not only insurance discounts, but BASIC scores, driver morale, retention, and fuel and maintenance costs. --- ## HDVI brings more than $37,000 in savings and value* to our average customer "HDVI has been fantastic to work with. We have never had an insurance company be so helpful and I have been in trucking for more than 25 years." | HDVI Shift safety discount: | $28,750 | | --- | --- | | Fleet safety tools and services: | $9,000 | * based on a fleet with 25 power units Todd Zufra Partner, JMT Group --- ## HDVI HIGH DEFINITION VEHICLE INSURANCE ## Modern insurance driven by service, safety, and savings. Insurance products are offered by HDVI Insurance Services, Inc., an insurance agency, and underwritten by Spinnaker Insurance Company, Bedminster, NJ. Insurance products and coverage may vary by state and is not available in all states. All insurance products are governed by the terms, conditions, limitations, and exclusions set forth in the applicable insurance policy.