When premiums drop, discipline matters most
22 October 2025
By Luke Kelly, Managing Director and Simon Donovan | Executive General Manager, Commercial of Fuse Fleet | October 2025
When premiums drop, discipline matters most
The ABC recently reported what we’re already seeing in the market: short-term discounting is creating volatility across global insurers. While lower premiums might look attractive today, history shows us where this leads.
“Soft markets are where underwriting discipline matters most,” says Luke Kelly, Managing Director of Fuse Fleet and CRI (pictured left).
“Anyone can lower a premium, but few can explain why. Our focus is on pricing that reflects real risk, rewards strong fleet performance and holds steady when the market shifts.”
The reality of rapid rate cuts is that when insurers chase market share through unsustainable pricing, brokers and their customers are the ones who face the consequences, such as surprise renewals, reduced service capacity and uncertainty when they need support most, usually at claim time.
Our commitment to you
“We’re already seeing the ripple effects,” says Simon Donovan, Executive General Manager – Sales and Distribution (pictured left).
“Chasing short-term gains only invites long-term volatility. Our focus is on helping brokers achieve consistent, lasting performance.”
At Fuse Fleet and CRI, our commitment remains unchanged:
- Sustainable pricing built for consistency, not volatility.
- Proven expertise across commercial motor and rental vehicle fleet insurance.
- Broker partnership through transparency and genuine insight.
The bottom line is that markets cycle and they always have. When they turn and premium adjustments hit, you want an insurer who priced responsibly from the start. That’s not just our approach. It’s our promise.
