Total Cost of Ownership & Asset Life
Vehicle depreciation/CPK, insurance claims recovery, lease mileage exposure, and the asset decommission pipeline — the add-on's financial-metrics group.
What this group does
Total Cost of Ownership & Asset Life is the financial back-half of the vehicle lifecycle — depreciation and cost-per-km, insurance claims/accident recovery, lease contract mileage exposure, and the retirement/write-off pipeline. It uses the same 2-stage AI architecture as the other two operational groups, but unlike them, every gauge in this group is a monetary formula rather than a status-count percentage.
Screen preview
A quick look at the screen. Use the toggle in the corner to switch between the dark and light themes.
Fleet cost per km, salvage value and replacement decisions
The shared 2-stage engine in this group
| Screen | What Stage 1 searches | What Stage 2 diagnoses | What you see in the result |
|---|---|---|---|
| Vehicle Depreciation & TCO | Similar assets across the ledger | TCO spike & replacement timing | Whether a TCO spike was detected, a description of it, whether the economical tipping point was reached, a projected replacement date, a recommended action, and a summary |
| Insurance Claims & Accident | Similar claims across the ledger | Claim settlement & loss recovery | Whether the fault assignment is disputed and why, whether there is a subrogation recovery opportunity and an estimate of it, whether deductible loss mitigation is possible, a recommended action, and a summary |
| Lease Contract Fleet | Similar contracts across the ledger | Excess mileage & buyout optimization | Whether an excess mileage fee is projected and an estimate of it, an early termination penalty estimate, whether a buyout is recommended and why, a recommended action, and a summary |
| Asset Decommission | Similar decommissions across the ledger | Scrap vs. auction yield | Whether the asset is genuinely end-of-life ready and notes on that, a recommended disposal method, a projected yield comparison, whether there is an environmental-certificate risk, a recommended action, and a summary |
Same pattern as the other two operational groups: no static industry-benchmark corpus exists in the app today — each Stage 1 search compares the current asset/claim/contract/decommission record against every other live record on the same screen; the Stage 2 result renders in the modal only and is never persisted.
1. Vehicle Depreciation & TCO
Purpose: Tracks acquisition cost, accumulated depreciation, current salvage value and operational lifetime expense per vehicle to compute a real cost-per-km (CPK).
Ledger columns
- Vehicle id/plate/model, acquisition cost, accumulated depreciation, current salvage value
- Operational lifetime expense, total distance (km)
- Fuel / maintenance / insurance expenditure breakdown
- Replacement readiness — optimal / monitor / replace immediately
Key action
Recalculate Asset Depreciation updates the accumulated depreciation, current salvage value, and replacement readiness.
ID format: TCO-YYYY-XXXX.
2. Insurance Claims & Accident
Purpose: Accident/insurance claim tracking — policy number, estimated repair cost, insurance payout, out-of-pocket deductible, fault ratio.
Ledger columns
- Incident date, vehicle id/plate, driver name, policy number
- Estimated repair cost, insurance payout, out-of-pocket deductible, fault ratio (%)
- Claim status — draft / submitted / adjustor review / settled / rejected
Key action
Submit Claim to Insurer updates the policy number, repair cost, and fault ratio and moves the claim to Submitted status; only available on claims still in Draft status.
ID format: CLM-YYYY-XXXX.
3. Lease Contract Fleet
Purpose: Fleet leasing contracts — lessor company, monthly rate, contract mileage limit, current odometer, expiration date.
Ledger columns
- Lessor company, vehicle id/plate, monthly rate
- Contract mileage limit (km), current odometer (km), expiration date
- Return status — active / near expiration / excess mileage risk / returned
Key action
Initiate Lease Handover / Renewal updates the return status; choosing renewal (Active) can also update the new expiration date.
ID format: LSE-YYYY-XXXX.
4. Asset Decommission
Purpose: End-of-life retirement/write-off process — retirement reason, disposal method, estimated/realized value, environmental certificate status.
Ledger columns
- Vehicle id/plate/VIN, retirement reason — age/wear, severe damage, emissions non-compliant
- Disposal method — public auction, scrap/recycled, part out
- Estimated residual yield, final realized value
- Environmental certificate status — pending / certified; status — pending approval / decommissioning active / written off
Key action
Finalize Asset Write-Off updates the realized value and environmental certificate status and moves the record to Written Off status; only available on records not already written off.
ID format: DEC-YYYY-XXXX.
Server routing (all 4 screens)
Same AI-engine routing as every other 2-stage screen in this add-on, logged and visible in Settings → Analytics.
Embedded AI Assistant
Every screen in this group has an embedded AI Assistant panel docked to the right edge. Tick one or more rows in the ledger and the panel lists them under Selected, with Analyze and Summarize shortcuts that send those records to the assistant by id and key fields. With no selection it works on the whole ledger. The ledgers are also paginated, with the page size adapting to your screen height.
| Screen | Example suggestions |
|---|---|
| Vehicle Depreciation & TCO | Flag vehicles with the highest cost per km; list vehicles where expense exceeds acquisition cost |
| Insurance Claims & Accident | Flag claims open for a long time; list drivers with repeated at-fault claims |
| Lease Contract Fleet | Flag contracts near the mileage limit; list contracts expiring soon |
| Asset Decommission | Flag disposals below estimated residual yield; list decommissions with pending certificates |
- Save as Report stores an assistant answer in the reports list so it can be reopened later.
- Add Knowledge attaches your own reference text so the assistant answers with it as additional context.
- The assistant follows the engine you selected in Settings → Agentic. With Ollama, Local LLM or Web LLM it runs on your machine or in your browser and never reaches the server. Panel width, font size, accent color and whether it opens automatically are controlled in Settings → AI Assistant.