‘To offer one card in your wallet with many wallets in your card’

Now there is an alternative to dedicated, limited use fuel cards. A card you also can use anywhere. Airmax Scope™, part of the Airmax Group, launches its Prepaid Corporate MasterCard® that works like a branded fuel or fuel bunker card – but only when it needs to.

Market maturity has led to users increasingly expecting more from fuel cards than discount or preset pricing, with the demand for service, savings and security leading to the appearance of dedicated account and expense management and a real-time web portal.

Typically, the majority of businesses using fuel cards are those which use their vehicles as a place of work and rely heavily on motor vehicles on a day-to-day basis. One of the primary reasons a business will use a fuel card is to obtain significant savings both on the ‘price at the pump’ and on administrative costs. Airmax’s Scope real-time reporting is a new alternative to traditional monthly account management and the limited customer benefits that generally attach to that concept. Transactions are visible in real-time giving complete instant access to fuel and other expenditure.

The launch incorporates other services from Airmax Scope to offer telecoms management and Corporate Rewards. It is anticipated that the Scope Card will appeal to fleet users as it combines normal card transactions and fuel on one card. Participating fuel card brands can have the transactions routed on one card in what has become known euphemistically as both open and closed loop transactions. Buying fuel from garages participating in fuel bunkering or set pricing can now be done on one card.

The ‘Scope’ Business Card offers companies and their employees an alternative way to manage business-related payments. Unlike credit or charge cards, prepaid cards areavailable to everyone – so now employees and employers can benefit from the efficiencies and ultimate savings of prepaid card payments.

The Scope card has specific features that enable them to be managed centrally. Plus, by specifying purchasing restrictions or spending limits you can also tailor the cards you give your employees. The system offers a management suite to enable the discerning user to issue and predetermine the use of the cards. Merchants Sectors and cash from ATM’s can, if needed, be blocked and expenditure contained. The Scope Prepaid MasterCard enables far higher levels of financial control and accountability. With its online detailed itemisation of workforce spending together with customer configurable usage parameters which allow employee work profiles to determine the level of money and the transaction limit held on the Scope Prepaid MasterCard combined with the range and type of outlet where transactions are allowed. Typically the card will replace cash, personal cheques and credit cards and reimbursement scheme transactions used for fuel, hotels, restaurants and general work incurred expenses. Provided the main client account remains ‘in funds’ then cash levels on the card are automatically topped up at pre-set times throughout the day. Cash withdrawal is not enabled at this stage. As explained by Darshan Amin, Airmax Scope Director, ‘The Scope Prepaid MasterCard is a new payment tool suitable for all UK registered businesses, irrespective of size or credit history. The Scope Card incorporates flexible business rules providing businesses with enhanced financial control across workforce spending. Subsequently, the card can easily be incorporated into almost any existing systems to improve fuel, fleet and general internal financial management, reporting and analysis. Designed from the outset on a modular basis, the card integrates with existing systems to provide added value web and data services, including vehicle telematics services’ and employee expense management.

Businesses diligence is increasing when it comes to saving operating costs. They are constantly looking at convenient payment methods as the pace of business becomes more challenging. It is very difficult to ‘cut fixed costs’ (oxymoron) unless you accept change and new task management and efficiency concepts.

Most often, fuel cards are used by fleets to improve efficiency by replacing paper-based business processes and offering purchasing reports. Fuel cards are also a convenient way of tracking individual fuel usage and subsequent VAT. More recently companies are adopting prepaid card solutions as they offer back office micro billing, real-time audit trail and a plethora of benefits. Accounts payable is not just about credit control and credit status though. Things have moved on.

Just imagine an intelligent prepaid MasterCard that has embedded within it several virtual cards but on one platform. This can take the form of an open loop and closed loop card in one thus behaving like a normal MasterCard at one level but with fuel transactions completed via a separate transaction process. This can be confined to a participating garage brand or a fuel bunkering facility. The user thus benefits from itemised billing as a result, together with the advantage of purchase discounts and added value services and corporate rewards.

Lots of businesses strive for enhanced profitability, better customer service and product innovation. Scope MasterCard delivers all of the above by introducing new payment options that are both easy to use and more convenient, thereby increasing the levels of consumer acceptance, as well as creating the potential for new commercial partnerships among retailers, banks and other organisations.

Commercial prepaid programmes can offer a number of advantages to a company, its employees and customers.

Airmax Scope solutions help achieve these objectives by replacing costly, inefficient paper processes like cheque distribution and receipts, paper voucher printing and issuance, and recurring payment distribution. Airmax Scope solutions continue to allow necessary control and restrictions, without the inefficiencies of paper processing and accompanying procedures.

Summary of features:

  • Designed to help businesses control the daily running expenses of vehicle fleets
  • Designed to save money on fuel and supply dedicated reports
  • Designed to restrict usage at high price garages and direct drivers to low cost fuel merchants – hypermarkets
  • Basic credit card / debit card payment functionality plus:
    • Driver or vehicle assigned cards
    • Comprehensive data capture – per diems
    • Comprehensive reporting suite
    • Stand alone card application
    • Always on-line to issuer
    • Prompt for odometer and driver/vehicle ID at POS
    • Purchase restrictions (fuel vs non-fuel)
    • MCC and EPOS blocking
    • Spend parameters as per purchasing card
  • Real-time invoice transaction data from MasterCard
  • Fraud or abuse alerts
  • Full web-based transactional billing
  • Fuel card substitute
    • Garage details and locations
    • Fuel usage analysis
    • Transaction details; fuel type, price, date/time of transaction, registration number mileage prompt

 

 

Phil Gallagher, Airmax Group Ltd, Tel. +44(0)7825 150 863,

email: p.gallagher@airmaxgroup.com

web: www.airmaxgroup.com

Darshan Amin, Airmax Scope Ltd, email: info@airmaxgroup.com

 

MasterCard is a registered trademark of MasterCard International. The Airmax Scope Prepaid MasterCard is issued by Newcastle Building Society (“NBS”) pursuant to licence by MasterCard International Inc. NBS is authorised and regulated by the Financial Services Authority as an issuer of e-money (registration no. 156058).
NBS subscribes to the Banking Code, copies of the Code are available upon request.

Posted in feature, scope-feature |

Airmax Remote™ offers a web based real-time suite of reports including drivers’ KPIs. The data is collected directly from the vehicles ECUs and events are geo-coded.

The data is viewable by the driver and fleet managers and also allows for other reports to assist with expense claims and service management.

Whether it’s eco driving, community insurance or risk management these reports are designed to help improve driver techniques and habits and reduce the risk.

Pre-determined events and 2 & 3 dimensional G-forces combine to calculate the driver’s style. This together with GPS and horizon data assist with driver warnings and post event analysis.

In brief the reports offer:

Driver risk indexing for self insured fleets and duty of care reports

  • This slide bar chart shows the drivers current performance and then compared against other drivers in the fleet

  • The table illustrates an example of the rating engine

Insurance and financial schemes linked with real-time management of drivers and their vehicles

  • This includes, insurance risk management based on driver behaviour (PHYD) as well as vehicle road-worthiness, not just distance travelled.
Posted in feature |

Airmax Remote is a new concept in telematics, a one box solution combining data via the OBD plus GPS. It is also a very cost effective solution for fleet managers and insurance underwriters and offers many measurable savings and profits within your business or application. Already installed in over 25,000 vehicles within Europe it works on most petrol and diesel vehicles post 2003.

Airmax Remote is brand supplier to the trade. As a tier 1 supplier we are able to offer the best price and service levels within the business. Whilst we also offer direct services to fleets this is not common as more often we operate in support of a local agent, representative or value added reseller.

This product is classified as a remote vehicle diagnostics system not a generic GPS tracking unit though it does report location data via GPS and Cell ID. It can be used as a real-time tracking unit but its main purpose is to extract data from the vehicle’s ECUs providing you with a powerful set of capabilities.

Airmax Remote offers a wide range of reports that are simple and easy to use. The web hosted report suite can be used as part of the monthly service fee. Airmax Live Data is offered to provide a direct feed into proprietary systems or other telematics providers.

Posted in remote-add-info |

What are the benefits of Airmax Remote? AKA Profleet2

For both companies and their drivers the key benefits are mileage capture – the on-line automated journey logging facility available for drivers and the pro-active notification of trouble codes and vehicle services becoming due. Driver style monitoring is becoming more important as legislation impacts on duty of care, health and safety, driver time directives and corporate manslaughter legislation.

 

David Yates, ALD’s Marketing Director

In recent times no fleet leasing company has been more successful at differentiating itself from the competition than ALD Automotive (ALD) by use of its ProFleet2 telematics system. Ref: www.profleet2.com

 

 

Getting down to it

There are 4 main headings that matter to the fleet manager and the driver.

 

 

 

 

 

High level data at a glance

 

Reduced risk of contract recharges

With manufacturer service intervals being extended and vehicles regularly being reallocated, it’s easy to see how services can be missed. Drivers are always busy and even if they know when their next service is due, it’s rarely convenient having their vehicle off the road for any time. With lengthy lead times, too, it could be several weeks before a service is possible.

Chasing monthly expenses

Inaccurate ‘guestimates’ of business mileage

Over-payment of mileage claims

With Profleet2, however, you can be assured of accurate mileage data, fully compliant with HMR&C guidelines on expense claims and submissions, making time-sheet management and overtime claims easy to administer for both driver and their manager.

 

Fuel usage monitoring for lower operating costs

Our in-vehicle unit constantly reads fuel related information from the vehicle’s CAN bus and uses this to calculate both the amount of fuel in the vehicle and the vehicle’s fuel usage per trip. This fuel data is compared with speed and mileage to estimate fuel consumption (mpg or km) as well as detecting when the vehicle has been refuelled and estimating how much fuel was added. Additional driving style data is also collected (speed, revs etc) to indicate what aspects of the driving characteristics have contributed to the reported fuel consumption, such as high speed, excessive revving or accelerating.

(Click to enlarge)

 

Reduced operating costs

With remote mileage capture and detailed journey reporting Profleet2 helps improve control over pool car and LCV use by identifying unauthorised private mileage and ‘out of hours’ activity.

Unauthorised private mileage

Excessive ‘out of hours’ activity

Higher fuel costs and excess mileage charges

With greater visibility provided by Profleet2, there is also less likelihood of unauthorised journeys being undertaken resulting in less mileage abuse and, consequently, reduced fuel and rental costs.

Even reducing use by 50 miles each week, in one van alone, could result in £1500 in fuel cost savings and a reduction of over £500 in rental costs over the life of the contract.

 

Accurate mileage capture

Accurate mileage capture, whether for business mileage reimbursements, running an Employee Car Ownership scheme or monitoring carbon footprint, continues to provide a huge challenge for most companies.

Carbon footprint

Inaccurate ‘guestimates’ of business mileage

Improved tax efficiency

For fleets operating an Employee Car Ownership scheme, moving from annual to monthly reconciliation requires mileage records to be submitted in a timely manner, every month. Where no mileage is submitted companies have to assume 100% private mileage resulting in the grossing up of the monthly allowance resulting in increased costs.

Higher costs

Tax increases for LCV drivers

Having an auditable record of LCV use ‘out of hours’, too, can reduce the likelihood of drivers having to pay increased benefit in kind, or higher NI contributions. Without this, vehicles may be classified as available for private use; again, Profleet2 provides the answer.

 

As companies are increasingly challenged to measure, monitor and reduce their carbon output, vehicle fleets are, inevitably, under the spotlight. With Profleet2’s reporting suite, however, CO2 is automatically recorded, thereby maintaining an accurate log of carbon footprint to help with ongoing CSR reporting.

 

 

 

Improved contract management

Whilst standard fleet reporting is limited to a ‘driver view’ only, fleet managers may wish to view data across their entire fleet as part of a wider risk management programme. This is possible once consent has been given by employees with a specific fleet manager view to access unique Duty of Care Indicators (DCI’s).

High risk driving hours

Hours behind the wheel

Driving without a break

High mileage

Profleet2, by itself, will not reduce costs or accidents but it will provide all the management information required to help make accurate and informed decisions that manage such issues; allowing you to identify their significance and react quickly. Profleet2 data, therefore, is key to an efficiently run fleet.

 

Lower insurance costs

With the help of a GPS ‘vehicle location’ facility*, pivotal in the successful recovery of over £1m of vehicles to date, Profleet2 has resulted in significantly reduced insurance costs for many major businesses.

Whilst subject to individual companies’ terms and conditions, as insurers become more aware of the benefits of Profleet2 and the wealth of fleet management data available, no longer need your fleet be deemed such a risk.

 

Improved driving behaviour

As an optional upgrade within the Profleet2 Premium package, fleet managers can also be alerted to other aspects of, potentially, dangerous or costly driving behaviour with advanced driver profiling:

Harsh acceleration

Excessive speeds

Heavy braking

Excessive idling

Even where driver profiling is not selected, however, with the greater visibility of Profleet2, employees are more likely to drive responsibly and operate within ‘best practise’ guidelines, helping the overall operational efficiency of the fleet.

 

Driver Benefits

Timely service reminders

 

With service intervals being extended and vehicles regularly reallocated it’s easy to see how services can be missed. Drivers are, no doubt, very busy and, even if they do know when their next service is due, it probably won’t be convenient having their vehicle off the road for any time. With lengthy servicing lead-times, too, it could be several weeks before a service is possible. The consequence?

 

Future resale values are affected from a poor service history

Routine repairs can become more complex and costly from missing a service

Warranty programmes can be invalidated

A missed service can cause a component failure with catastrophic consequences

 

This, of course, could lead to costly re-charges being passed on – both to the company and the driver.

With remote odometer readings and pre-defined preference settings, however, Profleet2 will automatically remind drivers to service their vehicle by SMS messaging or email, allowing work to be carried out on time, at a time to suit providing them with a courtesy car facility, wash and vac service and collection and delivery arrangements.

Journey reporting

Maintaining an accurate log of all business journeys is a tiresome process. Profleet2, however, automatically records all journey data. Everything you need is recorded accurately and meets HMR&C guidelines on expenses claims and submissions, saving you time and effort and simplifying the whole process. After registering your vehicle online, data is accessed via your own unique website which provides you with an exclusive suite of reports covering all journeys undertaken.

(Click to enlarge)

Improved duty of care

Where an employee is required to drive on business an employer has a duty to do all that is reasonably practicable to avoid or minimise the safety risks associated with their driving. However, whilst employers have a corporate responsibility towards their driver’s health and safety, employees, too, have to accept personal responsibility to ensure the roadworthiness of their vehicle and that they are fit to drive at all times.

Profleet2 can help by highlighting journeys which might cause driving fatigue. These reports can then help identify where their journey risks are, allowing them to change their driving behaviour – before it’s too late.

 

Legislation affecting YOU!

There are at least 25 separate pieces of legislation which impact on the safe management and driving of employees while at work.

The legislation ranges from road traffic laws such as the Road Traffic and Road Safety Acts and the Road Vehicle (Construction and Use Regulations) to the Health and Safety at Work Act and the Management of Health and Safety at Work Regulations and more recently the Working Time Directive, the Corporate Manslaughter and Corporate Homicide Act and the Health and Safety (Offences) Act.

Apart from the police, which typically will investigate road crashes, prosecutions for breaches of laws and regulations could also be bought by the Vehicle and Operator Services Agency and the Health and Safety Executive, which will usually confine enforcement action to incidents where the police or VOSA have identified that serious management failures have been a significant contributory factor in the incident.

In the UK there are an estimated up to 200 road deaths and serious injuries a week resulting from crashes involving at work drivers, and more employees are killed and seriously injured on Britain’s roads while driving on behalf of their employer than in any other work-related activity (1).

In addition to legal compliance, however, businesses have a moral duty to ensure the health and safety of all employees while at work, while the financial argument too highlights that investment in road safety delivers multiple wins (4).

Additionally, media coverage resulting from a work-related road crash could prove disastrous for an organisation and its future trading with brand value damaged.

Finally, depending on the seriousness of the offence and the law(s) under which employees, managers, directors and the company could face prosecution punishments could range from fines and penalty points for drivers for breaches of road traffic law to fines running into thousands of pounds and jail terms for managers and directors and multi-million pound fines for businesses

Posted in remote-add-info |

There are a number of ways in which you can help to reduce the amount of CO2 being pumped into our atmosphere and at the same time save yourself time and money through decreased fuel consumption. It could be a small change such as making sure you fully tighten your fuel cap, to a big change, like car sharing with a friend to work. Whatever it is that you are able to change, it will make a difference. Eco-driving is about driving in a way that suits you, your car and the environment. It is driving to reduce fuel consumption, greenhouse gas emissions, accident rates and noise levels – therefore having a positive impact on both you as a driver and the environment.

These reports show your driving performance for a variety of factors that affect the amount of CO2 emissions from your vehicle. The data is captured by the Airmax telematics system. Our rating system also allows you to compare your driving performance against our drivers in your fleet or group.

Environmental Benefits

  • Reduce use and demand for non-renewable natural resources (fuel economy)
  • Reduce greenhouse gases
  • Improve overall air quality
  • Reduce ambient noise levels

 

Environmental Personal

  • Contribute to preserving the environment
  • Reduce running costs, less fuel/ lower spend on vehicle maintenance and lower insurance costs
  • Reduce stress
  • Reduce vehicle wear and tear – reduce the need to change tyres and brake pads so often will also benefit the environment
  • Increase safety.

Eco-driving can lead to fuel savings of 5-15%

Posted in remote-add-info |