01
Your insurer counts days its way. Five pro rata conventions coexist in Switzerland. Two applied to the same period do not produce the same amount.
Pay the premium you owe, not the one you are quoted.
Flottaris keeps your fleet register, recalculates every premium by the day and checks your insurer statement, line by line.
Prorata checker
Enter a premium and a period. The five Swiss market conventions are calculated in your browser, no data leaves it.
- ACT/365
- Units
- 128
- Denominator
- 365
- Amount
- CHF 113.97
- ACT/360
- Units
- 128
- Denominator
- 360
- Amount
- CHF 115.56
- 30E/360✓
- Units
- 125
- Denominator
- 360
- Amount
- CHF 112.85
- Started months
- Units
- 5
- Denominator
- 12
- Amount
- CHF 135.42
- Quinzaines
- Units
- 9
- Denominator
- 24
- Amount
- CHF 121.88
| Convention | Units | Denominator | Amount |
|---|---|---|---|
| ACT/365 | 128 | 365 | CHF 113.97 |
| ACT/360 | 128 | 360 | CHF 115.56 |
| 30E/360✓ | 125 | 360 | CHF 112.85 |
| Started months | 5 | 12 | CHF 135.42 |
| Quinzaines | 9 | 24 | CHF 121.88 |
Maximum difference
CHF 22.57
that is 20 percent between the most and least expensive convention for this period.
Your insurer applies the 30E/360 convention.
No one keeps the same register as you
02
Your broker keeps one list, you keep another. They diverge by the third change of the year. A shared spreadsheet stops being a reference when a second person opens it.
03
When the statement arrives in February, you have weeks to dispute it. Without an enforceable register, you have no evidence, so you pay.
Three lines out of eight are wrong
A received statement, recalculated line by line against the register. Every discrepancy names its rule. No amount appears without its rule.
Cumulative discrepancy across eight vehicles, CHF 1'141.33. For a fleet of two hundred vehicles, the annual discrepancy runs into tens of thousands of francs.
Fictitious statement, built from real cases.
- VD 157 769
- 01.01.2025 au 31.12.2025
- Invoiced premium
- CHF 1'850.00
- Recalculated premium
- CHF 1'850.00
- Difference
- CHF 0.00
- Full annual premium
- GE 5 932
- 26.08.2025 au 31.12.2025
- Invoiced premium
- CHF 503.47
- Recalculated premium
- CHF 503.47
- Difference
- CHF 0.00
- 30E/360 convention, 125 units
- ZH 934 166
- 14.03.2025 au 30.06.2025
- Invoiced premium
- CHF 1'005.12
- Recalculated premium
- CHF 627.12
- Difference
- CHF 378.00
- The insurer kept billing sixty-six days after the vehicle left the fleet on 30.06. Annual premium CHF 2'100.00, one hundred and nine days owed.
- AG 427 114
- 01.07.2025 au 31.12.2025
- Invoiced premium
- CHF 806.58
- Recalculated premium
- CHF 806.58
- Difference
- CHF 0.00
- 184 actual days over 365, annual premium CHF 1'600.00
- VD 481 980
- 01.02.2025 au 30.04.2025
- Invoiced premium
- CHF 1'065.21
- Recalculated premium
- CHF 585.21
- Difference
- CHF 480.00
- The plates were deposited on 30.04: the insurer billed seventy-three days of suspended cover. Annual premium CHF 2'400.00, eighty-nine days owed.
- FR 82 401
- 16.09.2025 au 31.12.2025
- Invoiced premium
- CHF 350.00
- Recalculated premium
- CHF 350.00
- Difference
- CHF 0.00
- 7 half-months over 24, annual premium CHF 1'200.00
- NE 91 274
- 04.05.2025 au 31.12.2025
- Invoiced premium
- CHF 850.00
- Recalculated premium
- CHF 566.67
- Difference
- CHF 283.33
- The insurer billed the whole year although the vehicle joined the fleet on 04.05. Annual premium CHF 850.00, eight months owed.
- VS 248 617
- 01.01.2025 au 31.12.2025
- Invoiced premium
- CHF 2'250.00
- Recalculated premium
- CHF 2'250.00
- Difference
- CHF 0.00
- Full annual premium
| Registration plate | Period | Invoiced premium | Recalculated premium | Difference | Applied rule |
|---|---|---|---|---|---|
| VD 157 769 | 01.01.2025 au 31.12.2025 | CHF 1'850.00 | CHF 1'850.00 | CHF 0.00 | Full annual premium |
| GE 5 932 | 26.08.2025 au 31.12.2025 | CHF 503.47 | CHF 503.47 | CHF 0.00 | 30E/360 convention, 125 units |
| ZH 934 166 | 14.03.2025 au 30.06.2025 | CHF 1'005.12 | CHF 627.12 | CHF 378.00 | The insurer kept billing sixty-six days after the vehicle left the fleet on 30.06. Annual premium CHF 2'100.00, one hundred and nine days owed. |
| AG 427 114 | 01.07.2025 au 31.12.2025 | CHF 806.58 | CHF 806.58 | CHF 0.00 | 184 actual days over 365, annual premium CHF 1'600.00 |
| VD 481 980 | 01.02.2025 au 30.04.2025 | CHF 1'065.21 | CHF 585.21 | CHF 480.00 | The plates were deposited on 30.04: the insurer billed seventy-three days of suspended cover. Annual premium CHF 2'400.00, eighty-nine days owed. |
| FR 82 401 | 16.09.2025 au 31.12.2025 | CHF 350.00 | CHF 350.00 | CHF 0.00 | 7 half-months over 24, annual premium CHF 1'200.00 |
| NE 91 274 | 04.05.2025 au 31.12.2025 | CHF 850.00 | CHF 566.67 | CHF 283.33 | The insurer billed the whole year although the vehicle joined the fleet on 04.05. Annual premium CHF 850.00, eight months owed. |
| VS 248 617 | 01.01.2025 au 31.12.2025 | CHF 2'250.00 | CHF 2'250.00 | CHF 0.00 | Full annual premium |
Three actions, all year
01
You report the change
Entry, exit, plate change, deposit. It is dated, signed and becomes immutable. Corrections use a reversing change, never a rewrite.
02
Flottaris recalculates
By the day, using the pro rata convention in your contract, not the insurer default.
03
The statement arrives, you upload it
Each line is matched to the register. Matches are validated, differences documented with the rule and amount.
What is at stake without you seeing it
12 months
until your cover ends
After twelve months with control plates deposited, the contract ends. The vehicle remains in the garage, protection is gone, and no one warns you.
10%
difference between two conventions
Two pro rata conventions applied to the same period produce different amounts. The difference appears on every statement line and accumulates.
4 levels
for a reserved claim
An open, unpaid claim already affects next year's premium level. You pay before knowing its final cost.
Source: AXA, Zurich and Vaudoise general conditions and policies, 2021 to 2024 editions.
One register, three views
Divergence starts with copies. Flottaris removes the copies.
The holding company
It sees its fleet, recalculated premiums, deadlines and discrepancies. It reports its own changes.
The broker
It accesses its clients' fleets from one screen, without re-entry or an intermediate spreadsheet.
The insurer
It receives dated, complete and compliant notices and no longer chases missing information.
The limits, stated upfront
A product that claims to do everything does nothing properly. Here is what Flottaris will not do.
What Flottaris does
- Keeps the fleet mutation register, date by date, as an enforceable record.
- Recalculates premiums by the day, using the prorata convention in your contract.
- Checks the insurer statement line by line and shows every discrepancy.
- Tracks deadlines for plate deposits, termination and renewal.
- Shares one register between the holder company, its broker and its insurer.
What Flottaris does not do
- Flottaris does not connect automatically to insurer systems, data enters by import or entry.
- Flottaris does not compare offers or give insurance advice, that remains your broker's role.
- Flottaris provides no telematics and tracks neither location nor driving.
- Flottaris does not calculate total cost of ownership or manage workshops.
Start with a statement
A statement audit
Send the latest statement from your insurer. We recalculate every line and return each discrepancy with its rule and amount. Free once, with no commitment.
The guide to eleven discrepancies
Eleven discrepancies found in Swiss fleet statements and the points to check.
The fleet register template
A workbook for your vehicles, control plates, changes and covers.
Get in touch
A question about your fleet or a case to resolve. Write to us.