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.
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.