The high losses in combination with expensive repairs mean that at many specialised insurers, the premiums for fleet policies are under pressure. “The transport and logistics sector remains very risk-prone,” says Christophe Klockaerts, transport expert and Deputy Director at Vanbreda Risk & Benefits. “Damage can occur before you know it. If the number of claims cannot be brought under control, transport insurers will increasingly be forced to raise fleet premiums.”
Accident prevention has therefore become even more important for transport companies, according to Christophe Klockaerts. In his view, reducing the losses is the only way to maintain a competitive premium. “Prevention is the key. Some insurers help their clients with this, while others demand that the customers make the necessary efforts themselves. It is also not unusual today for an insurer to ask a transport company to submit a detailed prevention plan or to demonstrate that its drivers have received adequate training.”
Vanbreda Risk & Benefits is happy to help transport companies reduce their accident statistics or adopt the right preventive measures. Christophe Klockaerts explains how that happens in practice:
“We start by thoroughly analysing the claims. This is the basis of any prevention plan. If, for example, it appears that a transport company incurs damages almost exclusively while performing manoeuvres, it is pointless to introduce preventive measures aimed solely at reducing rear-end collisions. Once we have a clear idea of what type of claims we have to deal with, we put the transport companies into contact with the appropriate experts. But that is not the end of our service. Afterwards, we closely monitor the results so that we can demonstrate that these measures actually work. This is not only very important to the insurer, but also to the customer, who can keep their insurance premiums under control through these prevention efforts.”
Christophe Klockaerts believes that, once transport companies have a clear view of their claim statistics, they can already undertake a few things. He offers four concrete tips:
- Make the damage problem tangible. Organise a kick-off meeting for your employees. Make it clear exactly what you as a company understand by a claim, what types of claim occur most often and the cost to your company. A proper awareness of the issues relating to damages and claims will ensure that the preventive measures find fertile ground.
- Make good use of Code 95 training. Each transport company must provide its drivers with 35 hours of Code 95 training during their first five years of service. Link the training courses to your prevention plan, so that these courses, required by law, actually lead to a safer organisation.
- Make colleagues responsible for safety. Some transport companies already have a mentoring system in place today. This involves experienced drivers taking on a mentoring role with regard to their less experienced colleagues. They share their knowledge in the area of safety, as well as offering advice and a sympathetic ear when it comes to questions or problems.
- Use the information available from the on-board computer. Some companies do not make enough use of the information available from the on-board computers. These contain a wealth of information about the drivers’ behaviour on the road. Does analysis show that some employees have a riskier driving style than others? Then their risk can be greatly reduced through awareness and the right training.
Would you like more information about how to prevent an increase in your fleet’s premium through the right prevention measures? Contact Christophe Klockaerts at +32 3 217 55 45 or via e-mail: Christophe.email@example.com