Free grey-fleet audit · 60 seconds

Right now, your fleet has a
liability door standing open.
Let's measure exactly how wide.

Answer 5 questions about your team. You'll get your exact annual exposure, how many drivers are likely uninsured, and the one number your CFO and your insurer will both ask about.

60 seconds No sign-up IRS & CRA 2026 rates
Industry benchmark — a typical 10-driver fleet
$15,941
≈ $1,594 per driver in unverified mileage and admin time — before a single incident is filed
1 in 3
drivers have no business-use insurance — and don't know it
78×
a year's savings wiped by one non-fatal grey-fleet collision
$15
per driver / month to close every gap — about one weekly coffee

5 questions to your employer-liability and uninsured-driver exposure.

Not industry averages — your fleet, your exposure, computed live as you answer.

Step 1 of 5
Takes about 60 seconds · no sign-up
Question 1 of 5
How many people drive for your business?
Include everyone who uses a vehicle for work — sales reps, field techs, delivery, care workers. Even occasionally.
Every one of them is a liability. US, Canadian and UK law hold you vicariously responsible for accidents during business use — even in a personal vehicle. If they drive for you, you're on the hook.
Number of drivers
Round up. If someone drives once a month to a client — count them.
Estimated annual exposure for your fleet $15,941
Question 2 of 5
Where does your fleet operate?
This sets the official mileage rate, legal framework, and penalty ranges used in your audit.
IRS 2026: $0.725/mi · CRA 2026: $0.73/km · HMRC 2026/27: £0.55/mi. Tax authorities expect these documented with a GPS-verified log. No log? The whole allowance becomes taxable income — plus interest and penalties.
Mileage rate applied to your fleet $0.725 / mi
Question 3 of 5
How far does each driver travel for work per year?
Average business miles per driver, plus what your company spends on fuel annually.
39% of employees admit to inflating mileage claims, by about 25% on average — a weighted ~9.75% overstatement of true reimbursement that GPS verification removes. Every unverified mile you reimburse is also taxable if it can't be confirmed end to end.
Avg distance / driver / year
Annual company fuel spend
$
Your unverified mileage cost per year $8,700
Question 4 of 5
What kind of vehicles does your fleet use?
This sets your liability profile — grey fleet carries the highest uninsured risk; company vehicles carry direct fuel and maintenance exposure.
Grey fleet is the blind spot most HR and finance teams don't see. Staff using personal vehicles for work rarely update their insurance to include business use. If they crash on the way to a client, their insurer won't pay — and yours might not either.
Estimated uninsured drivers in your fleet right now ~2 drivers
Question 5 of 5 — last one
Has your company had a CRA or IRS mileage audit in the last 3 years?
And what's the blended hourly rate of the people who review mileage claims?
Audited companies without GPS logs typically face $50K–$250K in back-payments, penalties and interest. If an auditor is already in your files, the clock is running. Without a timestamped log per trip, your defence is paper only.
Audit history
Admin hourly cost (blended rate)
$
What your admin/finance team costs per hour to process mileage claims manually.
Your complete annual exposure $15,941
Your grey-fleet audit — results
Your fleet is losing this every year
$15,941

This is what's leaving your business annually — before a single incident, claim, or audit.

Free to downloadNo credit cardSet up in minutes
Currently piloting with Derrapon Backed by angel investor CIAI
Monthly drain
$1,813
leaving every month right now
Uninsured drivers
~2
on the road with no business cover
Admin hours wasted
364 hrs
per year on manual mileage review
Wiped by one claim
78×
years of savings per non-fatal crash
Your next moves
Three things to start this week
Small steps that close the gap before, not after, an incident — no purchase decision required to begin.
Forward this upward — one line for your CFO or COO
Where the money is leaking
Your annual loss — line by line
Every row is a recoverable cost with GPS-verified mileage tracking.
Cost categoryAnnual loss
Return on the Fuelshine subscription
Confirmed floor
5.5×
pays back in 1.8 mo
Mid case
1.2 mo
High case
13×
0.9 mo
The floor counts only confirmed time savings — no mileage or fuel estimates. It's the return a skeptical CFO can't argue with.
How certain is this number? range $11,700$24,500
$11,700 confirmed
+ estimated
Confirmed — time saved, certain
Estimated — mileage & fuel, a range

Illustrative estimate based on your inputs. Edit your answers to recalculate.

Live compliance score
Your compliance gap score
High Risk
Gap score — lower is worse (0–100)
~2
Uninsured drivers
0/5
Compliance items verified
78×
Savings wiped per claim
Grey-fleet liability scan
One incident closes the company. Here's the math.
Your savings figure on the left is real. So is this — they're not even on the same scale.
Years of savings one claim wipes out
A single non-fatal grey-fleet collision at the average settlement midpoint, versus everything you'd save in a full year. One phone call erases all of it.
78×
Your savings vs. what one claim actually costs
$21KWhat you keep this year
$1M+Non-fatal: direct + denied claim
$3M–$7M+Fatality / catastrophic event
~2
drivers on the road right now with no business-use coverage
If one causes an accident today, their insurer says no. The claim lands on you.
Your compliance file — what an investigator finds today
Driver file — current status0 / 5 verified
Stacked exposure — only the layers with hard dollar ceilings$1.2M
Two further layers are uncapped and never added to this total — criminal negligence (unlimited fine + possible prison) and multi-year premium escalation. They make the real number worse, not better.
The six bills that arrive after one crash — simultaneously
The next 7:43 AM call is already heading to someone's desk. Make sure it isn't yours. Every day without GPS-verified trips, confirmed insurance, and a signed grey-fleet policy is a day the door stays open. Fuelshine closes it — from $15 per driver per month. Less than one coffee per driver per week.
The fix
Close every gap above — and be the one who did it before anyone asked.
Verified insurance, GPS-backed mileage records, and a signed policy on file — about $15 a driver a month. Less than your team spends on coffee, and nothing you need final budget sign-off to start.
Business-use insurance, verified
Fuelshine collects and stores proof of cover for every driver — no more guessing who's insured.
GPS-verified trip logs
Automatic, timestamped records for every business trip — drivers get faster, hands-free reimbursement and a tax log that's done for them, while you get the evidence IRS and CRA actually want. Personal trips stay private.
Signed grey-fleet policy on file
Digital policy acknowledgment per driver, with licence checks tracked and renewed automatically.
Manual reviews, gone
The admin hours on the left disappear — claims process themselves against verified logs.
0/5
Today
5/5
With Fuelshine
Close every gap for $15 / driver / month.
You're currently leaking $1,813 every month.
Book a 15-minute demo
15 minutes on your exact numbers — or start a no-cost trial first. No commitment, and nothing you need final budget sign-off to approve.
Why these numbers still hold up next year
Rates stay current. CRA, IRS and HMRC mileage rates auto-update — the math never goes stale on you.
Your records export anytime. Every log and document in CRA/IRS-ready format — no lock-in, ever.
Month-to-month. No long contract — leave whenever; the documentation you built stays valid evidence.
A person sets you up. Real onboarding in about 30 minutes — not an IT project.
Switching costs setup time, not money. About 30 minutes to start — versus the mileage spreadsheet you reconcile by hand every month. Your "free" option is already costing you the admin hours above.
Take it with you
Download your PDF report — free, right now.
A two-page audit built from your exact inputs. Share it with your CFO, HR lead, or legal team today. No account needed.
Annual loss estimate with full breakdown
Compliance gap score & risk rating
Uninsured driver count estimate
Exposure multiplier vs. one crash
Six liability layers explained
Free. No account. No forced sales call.
Send it to your team
Email this audit to your CFO, HR, or legal lead.
Your exact numbers — annual loss, uninsured estimate, gap score, and exposure multiplier — packaged as a PDF.

No account created. Your inputs are never stored or shared.

How this is calculated
Mileage rates
Your inputs applied against the official 2026 IRS, CRA & 2026–27 HMRC business-mileage rates for your jurisdiction.
Benchmarks
Published fleet-compliance benchmarks: unverified-mileage share, uninsured-driver prevalence by fleet type, and median settlement values.
Liability
Per-incident exposure sourced per jurisdiction from regulatory schedules and published case data — US, Canada & UK.
Status
Directional estimates for internal planning — not legal, tax or insurance advice. The compliance gaps they surface are real.

Good to know

Mileage compliance & employer liability — frequently asked questions

The 2026 rates, the penalties, how the estimate works, and what it takes to get started.

Rates & penalties
What is the CRA mileage rate 2026?
73¢ per kilometre for the first 5,000 business kilometres and 67¢ after that, effective 1 January 2026. Ontario employers use the province rate.
What is the IRS mileage rate 2026?
72.5¢ per mile for business use, effective 1 January 2026. It is designed to cover fuel, depreciation, insurance and maintenance.
How large are OSHA fines and CRA penalties?
OSHA fines reach up to $165,514 per willful or repeat violation. CRA penalties on unverified mileage allowances are modelled at $50K–$250K per audit. Both are per-incident, not annual.
How does this audit estimate uninsured drivers?
It applies a documented grey-fleet rate of roughly one in three to your personal-vehicle (grey) drivers only — company vehicles are insured by the business, so they're excluded. One in three is the high end of a real range, shown as an estimate.
What are UK Crown Court fines and HMRC penalties for grey fleet?
UK work-driving breaches carry unlimited Crown Court fines — real cases have reached £2.3M–£5M — and HMRC penalties on mileage errors run up to 100% of the tax for deliberate, concealed under-reporting under Schedule 24. The HMRC mileage rate 2026 is 55p per mile for the first 10,000 miles.
What happens if an employee is uninsured while driving their own vehicle for work?
If an uninsured driver crashes on a work trip, their personal insurer can deny the claim because the policy excludes business use, and the cost then looks to the employer — alongside OSHA fines, CRA penalties and potential criminal negligence exposure. Roughly one in three grey-fleet drivers is uninsured for business use.
Is mileage reimbursement taxable?
Mileage reimbursed at or below the CRA or IRS standard rate (CRA 73¢/km for the first 5,000 km; IRS 72.5¢/mile in 2026) is generally tax-free to the employee and deductible to the employer. Reimbursement above the standard rate, or a flat allowance paid without a mileage record, can become taxable income — the exposure a verified mileage log removes.
What are the CRA mileage reimbursement rules for employers?
To keep an allowance tax-free, CRA expects it to be based on actual business kilometres at a reasonable per-kilometre rate (the 2026 rate is 73¢/km for the first 5,000 km and 67¢/km after) and supported by a contemporaneous log. Flat monthly car allowances and unsupported estimates can be reassessed as taxable income with penalties. A GPS- and odometer-verified log is what makes the allowance defensible on audit.
Are employers liable when employees drive their own vehicles for work?
Yes. Under vicarious liability and provincial OHS duties — for example Ontario's OHSA — an employer can be held responsible when an employee causes a crash while driving their personal vehicle on company business, even though the company doesn't own the car. If the employee's personal policy denies the business-use claim, the cost lands on the employer. This is the North American equivalent of what the UK calls grey-fleet liability.
Your drivers & the app
Do I need to install GPS hardware or fleet trackers?
No. Fuelshine runs on each driver's own smartphone — there's no device to install, wire or maintain. Traditional fleet-compliance and telematics systems are built for company-owned vehicles and need installed hardware; Fuelshine works for employees driving their own personal vehicles for work, which is exactly where grey-fleet liability sits.
How do you stop drivers from over-reporting mileage?
Trips are verified against the vehicle's own odometer data, not a phone's GPS alone, so inflated or duplicated mileage is caught before it's reimbursed. That gives you a CRA/IRS-defensible record and removes the self-reported padding that manual logs invite.
Will my drivers feel tracked?
The app is built for the driver first: automatic trip detection, faster hands-free reimbursement, and a CRA/IRS-ready mileage log done for them. Only business trips are visible to the employer — personal trips stay private. Most drivers adopt it because it saves them the manual logging, not because they're told to.
What if my drivers don't download it or log trips incorrectly?
Onboarding is guided and trips are detected automatically, so classifying a trip is a single tap. You can see activation per driver, so no one slips through. Because reimbursement is tied to app activation, a driver who won't use it simply isn't reimbursed — it's a policy you set once, not a confrontation you manage person by person.
Insurance, data & privacy
Does Fuelshine insure my drivers?
No. Fuelshine documents and surfaces the insurance and compliance gap so you can close it — it does not issue insurance.
Is driver location data secure and PIPEDA-compliant?
Yes. Data is encrypted, business trips are separated from personal travel, and drivers control their personal trips. Handling follows Canadian privacy law (PIPEDA) — it is a compliance record, not a surveillance feed.
Will my data be locked in, and will Fuelshine be around in a year?
Your records are yours: every log and document exports in CRA/IRS-ready format any time, so you're never locked in. The documentation you build stays valid evidence regardless.
Getting started
If I start now, does the audit trail make me more liable mid-rollout?
No. The exposure already exists today — an undocumented file is the liability, not the record of fixing it. Partial, documented coverage starting this week is a stronger position than zero coverage while you deliberate, and you can begin with your highest-risk drivers first.
Does this create extra work for my accountant?
No. Exports are formatted for CRA and IRS and plug straight into your existing payroll and accounting workflow — verified mileage replaces the manual logs you currently approve, so there's nothing to re-key.
I'm not the final budget approver. What's the smallest next step?
Download the PDF above — it's built to forward to your CFO, HR or legal lead with your exact numbers. The ask is small: approve a no-cost trial, no commitment and no purchase decision required up front.