Driving for Better Business

23 September 2016 - By Eugene Herbert

Crashes and the related consequences are far higher, and of greater
financial impact to a company than most organisations realise. It’s not just
the excess (if insured) that is a cost to the organisation for research in the
UK shows these could be 8 to 36 times greater than that initially seen as the

Some items cannot be covered by insurance and the following is a list of
items you may find you have to cover yourself:

>    Damage
to the company reputation  and possible impact  on  contracts

>    Fines
and costs of legal fees

>    Damage
to products/ plant/ building and equipment

>    Staff
down time for medical appointments/attendance at court etc.

>    Replacement
staff costs and sick pay

>    Loss
of production or production delays

>    Increased
insurance premiums and excess

>    Excess
on a claim

>    Claims
from third parties

>    Accident
investigation and paperwork

>    Repairs
to damaged equipment

>    Alternative
transport for repair duration

>    Inconvenience

>    Re-delivery

>         Management and administrative time.

Considering this sobering data it’s best not to have a crash in the
first place, in fact many  employers have proved that  some simple
measures  ( driver training, effective policies , telematics support 
)  if implemented  will  make one much less likely to be the

The benefits of managing a “driving for work” policy include:

>        Reduced crash  losses

>    More
effective  fleet utilisation

>    Less
down time

>    Improved
safety culture

>    Improved
public image

>    Higher
staff morale

>    Lower
insurance premiums

>         Lower transport costs

>         Defence against criminal prosecutions and civil litigation

>         Improved business performance

>         Insurance and your business

The provision and cost of commercial motor insurance is based on an
assessment of individual risk. The more likely you are to make a claim, and the
higher its value, the higher your premium will be.

Insurers consider a wide range of factors when assessing the likelihood
of making a claim, including the number, type and value of vehicles to be
insured, the cover required, what the vehicles will be used for, and the
experience and qualifications of the drivers. Many of these risks can be
managed to help reduce costs.

A company’s claims history over the last three to five years will also
be a good indicator of a company’s road safety performance.

Insurers know that generally, organisations with effective risk
management measures in place have the lowest crash rates and in fact many
insurers now recognise that proper driver training should be mandated if they
wish to have insurance cover.

Consequently, if you are able to demonstrate a proactive and effective
attitude to risk management, you are very much better placed to exercise
control over  costs; not only over  insurance costs, but also the
hidden costs of road crashes such as having a damaged vehicle off the road, and
the cost of hiring a vehicle and / or  temporary driver.

MasterDrive have helped many top performing companies to manage this
component of their business by the introducing up to date policies governing
all aspects of their vehicle and driver fleet. Feel free to contact info@masterdrive.co.za for a free

Till next time - Drive Safe and remember – your behaviour as a driver is
the easiest thing to change and manage.

Eugene Herbert

Other Articles

  • Driving Resolutions

  • Running red lights -Fatalities Reach 10-Year High in the US

  • Africa Trave Guide

  • Drivers in SUVs more dangerous

  • Driving through roadworks

  • Culture drives policy

  • Strict speed enforcement detrimental to safety?

  • Dodge the pothole

  • Speed doesn’t cause crashes ?

  • Avoiding a rear-end collision

  • Seatbelt check list

  • Passengers put your feet up…or not

  • The ripple effect of your driving behaviour

  • Consequences of drinking and driving

  • Driving tired – the dangers!

  • Driving in work zones

  • Driving after dark

  • Tips: Fake phones for driver safety?

  • Do drivers know how to keep a safe following distance?

  • Study reveals women are the angriest drivers

  • Driving With a Pet in the Vehicle

  • Keys Left in Vehicles Spurring More Thefts

  • Public Protector

  • The Risks of Eating and Driving

  • Cognitive Psychology and Vehicle Speed

  • Animal Collisions

  • Young Drivers Over-Estimate Their Abilities

  • Driving for Better Business

  • Parallel Parking No Fuss, No Drama

  • Profiling Driver Risk

  • Back-to-School Driving Advice

  • Drowsy Driving Persists as Fatal Crash Cause

  • Tailgating

  • How you drive reveals a lot about your personality

  • Understanding the Zipper Merge

  • Prevalence of Self-Reported Aggressive Driving Behaviour

  • Warning: Pokemon Go, Another Distraction…

  • Are parents negatively impacting learner drivers?

  • How fast are your reactions?

  • Self-Driving Cars Raise Ethical Issues

  • Multi-Tasking In The Car - A Myth

  • Driving After Dark

  • Airtravel vs. Road use

  • How to Conduct Efficient Vehicle Inspections

  • The Three Life-Saving Questions

  • How to Prevent Rear-End Collisions

  • Driving with limited visibility

  • Look twice for motocycles

  • Keeping Your Children Safe From Distracted Driving Crashes

  • Being Driving Focussed

  • Distracted Driving fuels insurance rate hikes

  • Adjusting to the time change

  • Pothole Definition

  • Buckling up in the back seat

  • Weather-related Traffic Deaths - What studies show...

  • Reversing Tips

  • Elements of a safety program

  • One-In-Seven Suffer Memory Gaps When Driving

  • NTSB Most Critical

  • Will self-driving cars allow for drinking and driving?

  • The Impact of Fossil Fuels

  • Driver Safety 101

  • Head Restraints Cut Injuries by 11%

  • Traffic Fatalities Up in First Half of 2015

  • Car Lock-in "Heads Up"

  • Is drunk driving OK when the alternative may be worse?

  • Distracted Driving Detection Technology

  • Driver Distractions Extend 27 Seconds beyond Act

  • Drunk Driving - South Africa rated the worst

  • When Flash Floods Strike

  • What to watch out for on Rural Roads

  • Self-Parking Technology Avoided

  • Are you and your family breaking the law?

  • Work Related Driving Time

  • Safety near Bicyclist

  • Human Error

  • Aircon Saves Fuel

  • Fuel Prices Down - Efficient Driving Still Needed

  • Managing Space & Time for Safe Driving

  • Driverless Cars

  • 7 Tips for Curbing Distracted Driving

  • Parental Role Modelling

  • Braced for Impact

  • 7 Advances in Automotive Safety Technology That Could Save Your Life

  • 8 out 10 Drivers Exceed Factory Posted Fuel Consumption Figures

  • Driving into the sunset isn't always Romantic

  • Do you know your drivers? Do they know you?

  • Study: 25% of Cars Create Most Air Pollution

  • Hands-Free Infotainment Isnt Risk Free, Safety Council Warns

  • Ten Things All Car Drivers Should Know About Motorcycles

  • Legislation Update: Baby seats

  • Female Drivers More Likely to Use Cell Phones

  • Roundabouts Safer for Older Drivers

  • Unpacking the Ministers Collision

  • Dealing with the Aftermath of Potholes

  • How to Avoid Parking Lot Crashes

  • Mobile Pone Distraction set to become Biggest Kllre on British Roads by 2015

  • Light Commercial Vehicles can be Low on Safety

  • Saving lives: Improved vehicle designs bring down death rates

  • China To Improve Road Safety To Protect Lives

  • Top Ten Tips To Stay Within The Limit

  • Dealing with Agressive Driving

  • Top 10 Accident Prone Professions

  • National Impaired Driving Prevention Month

  • Maintaining Perspective - Deaths by Terrorism in 2013

  • Where Drivers Dont Mean To Speed

  • Circles, Circles and more circles

  • Calm your Driving

  • Sharing the Highway with Heavy Trucks

  • Pedestrian Safety

  • Abuse of Cell Phones Taken More Seriously

  • 5 Steps to Keep your Child Safe

  • Driving While Medicated

  • Hands On Steering

  • Scanning the Road

  • Prevent being blinded by Sun Glare

  • Link Discovered Between Driver Obesity & Crash Risk

  • A Third of Young Drivers Admit Taking 'Selfies' at the Wheel

  • How to Prevent 'UFO's' in your Vehicle