UK commercial fleet insurer Flock has launched Jay, which it describes as the UK’s first AI expert for every fleet customer. The agentic AI assistant is designed to help fleet managers proactively identify risks, monitor vehicle performance, and manage insurance-related operations using live telematics and claims data.
Integrated into the Flock Portal, Jay is available at no additional cost to all Flock fleet insurance customers and brokers placing business with the insurer.
AI trained on billions of kilometres of driving data
According to Flock, Jay has been trained on more than one billion kilometres of real-world driving data and is built to understand the operational characteristics of each insured fleet.
The AI combines information across:
- Vehicle locations
- Driver behaviour
- Connected telematics data
- Claims history
- Fleet safety trends
- Insurance policy information
Fleet managers can ask Jay questions in natural language, including:
- Which vehicles need attention today?
- How has the fleet’s safety score changed?
- Are all vehicles appropriately insured for their current activities?
Jay analyses live fleet data and provides recommendations aimed at reducing accidents and improving operational efficiency.
From reactive claims to proactive risk management
Beyond responding to queries, Jay continuously monitors fleet activity and proactively identifies emerging risks.
The system can:
- Flag vehicles requiring attention
- Highlight drivers who may benefit from coaching
- Monitor claims progress
- Send daily risk alerts
- Recommend actions to prevent incidents before they occur
The launch reflects Flock’s broader strategy of using connected vehicle data to shift insurance from traditional claims handling toward active risk prevention.
Developed alongside fleet operators
Flock said Jay was developed in collaboration with customers across multiple fleet sectors, including:
- Parcel delivery
- Taxi and private hire
- Self-drive vehicle rental
- Trades businesses
During pilot testing involving 23 fleets, the company reported that 87% of participating customers returned to use Jay again.
One fleet operator reportedly identified that the majority of its most serious incidents occurred along a single stretch of road—an insight that previously would have required extensive manual analysis.
Benefits for brokers
The AI assistant is also being made available to insurance brokers that place business with Flock.
Brokers receive access to Jay for every insured fleet on their books, enabling them to:
- Review fleet performance
- Identify operational risks
- Prepare renewal discussions
- Generate data-driven client insights
This is intended to support more informed customer conversations while strengthening ongoing risk management relationships.
Executive commentary
Ed Leon Klinger, CEO of Flock, said the company believes AI will fundamentally change how insurers support commercial fleets.
“Every fleet has daily questions about risk, policies, vehicles and claims—but many teams don’t have the time or the tools to answer them. For the first time in UK fleet insurance, every customer now has their own expert: someone that knows their fleet inside out, works around the clock, analyses billions of data points on their behalf, and partners with them to help their fleet run well.”
He added that the company’s vision is to help customers prevent accidents before they occur rather than simply processing claims afterward.
“We believe this is the future of insurance: getting ahead of the problem, and helping customers prevent accidents before they even happen.”
Klinger also noted that brokers receive the same AI capabilities for every fleet they manage, extending the technology beyond end customers.
Industry significance
Jay represents another step in the insurance industry’s adoption of agentic AI, moving beyond simple chatbots toward AI systems capable of analysing operational data, monitoring risk continuously, and recommending actions autonomously.
For commercial fleet insurance, where telematics already generates vast amounts of driving data, AI assistants such as Jay have the potential to improve safety, reduce claims frequency, enhance customer engagement and strengthen broker-client relationships through continuous, data-driven risk management.
