Posts Tagged ‘information’

Car Insurance Blog celebrates a year of sharing information and advice

CAR_BLOG

The 27th of July 2010 was the one year anniversary of the Car Insurance Blog at carinsurance.arrivealive.co.za. Even though the Arrive Alive road safety website has been online for 7 years, and we have included a section on car insurance and road safety, it is only a year since much more attention has been given to providing blog posts about car insurance.

The development of the Arrive Alive website has been made possible with the assistance of a variety of corporate sponsors, including the car insurance industry, and this has enabled us to share important two-way communication with visitors.

It became evident that there is great uncertainty pertaining to aspects of car insurance, on what to do not only to protect against vehicle accidents claims, but also how to find the correct insurance and what to do when an insurance claim is rejected.

On a personal level it was the opportune time to use my experience having read law for 5 years, lecturing in law for 5 years and working in the financial services field for 8 years – to provide advice that could benefit many of our vehicle owners.

The information on the Arrive Alive website can be found on these pages:

These suggestions and advice were supported during the past year with regular blog posts on car insurance. It is perhaps time to reflect on some of the interesting insights we were able to gather about the car insurance blog through the tools provided by Google Analytics.

Car Insurance Blog and Google Analytics search results

27 July 2009 – 27 July 2010

- 28,797 Visits
- 56,115 Page views
- 231 Referring sources
- 13,716 Keywords used in search engines
- Visits came from 140 countries

We are pleased to find that many visitors have been able to find the important advice they required and were searching for. We will continue to be guided by visitors and their quest for information.

Many other car insurance sites have been able to benefit from the information, often referring to the car insurance blog as source – whilst other have unfortunately plagiarised many of these posts.

This will not deter us from the ultimate objective – to provide independent and credible information, advice and suggestions about car insurance to vehicle owners.

If we are able to assist more vehicle owners to find affordable car insurance and protect themselves from vehicle accident claims through safer driving behaviour – all these efforts would be worth every minute spent on writing these blog posts!!

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Vehicle statistics in South Africa 1 November 2009

Written on November 10th, 2009 by admin
Categories: Car Statistics, General Information

trucks-on-the-roadHow many vehicles in South Africa at 1 November 2009? We are pleased to share the data provided by our friends from eNaTIS. This data is an eye opener to those concerned about road safety. Only with access to this data can we design road safety strategies and address specific concerns!

I was fortunate to recently attend the opening of the Highway Wellness Centre in Harrismith. I must admit that I was in awe at the amount of heavy trucks passing by and stopping at this wellness centre. This re-affirmed the belief that we need to focus our attention on the fitness of truck drivers, driver tiredness etc.

How many trucks do you think are driving on the roads of South Africa? The statistics reveal that there are 321 056 registered Trucks (Heavy load vehicles GVM > 3500kg)!

We would like to share the live data – Statistics at your fingertips

Live vehicle population, September/October 2009 (including month-on-month movements)
New vehicle registrations, October 2009 (including year-on-year movements)
Used vehicle registrations, October 2009 (including year-on-year movements)

Also view on the Arrive Alive website:

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What does the SME Survey tell us about business and car insurance?

Written on October 21st, 2009 by admin
Categories: Car Insurance Advice, General Information

I had the privilege of attending the release of the SME Survey results for 2009. This Survey provides insight towards many of the perceptions amongst our small business leaders.

The SME Survey research is based on a randomly selected sample of decision-makers of South African Small, Medium and Micro enterprises (SMMEs), consisting of companies with 1 to 200 staff. This year’s survey consists of approximately 2 500 respondents.

What is a SME?

The definition of SMEs used for the Survey is based on the National Small Business Act 1996, as amended in 2004, which stipulates varying definitions for each industry sector, including number of employees, turnover, and value of assets. A small enterprise is defined as having up to 50 employees, and a medium enterprise from 51 to 200. Companies with up to 20 staff are defined as very small enterprises.

What does the Survey tell us about Car Insurance?

SME Survey Results

It is interesting to note that 86% of business leaders have confirmed that they insure their company vehicles. It might be a bit surprising that there is a higher rate of insurance for office furniture [88%].
Arthur Goldstuck, in his presentation pointed out that small business leaders appear to neglect the very important aspects of insurance against “data loss” and “keyman insurance”.

It is evident from these results that the risk on our roads is perceived as very REAL risk, and that car insurance is regarded as an important component for the survival of your business!!

Also view:

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Crime statistics confirm the need for car insurance!

Written on September 22nd, 2009 by admin
Categories: Car Insurance Advice, Car Statistics, General Information

crime-statisticsEarlier today the Minister of Police revealed the crime statistics for South Africa. The sad truth is that South Africa is still trapped in a web of crime, with 5700 serious crimes reported every day in the country.

It has been revealed that the Police are reporting 18 000 murders per year. Business robberies are up by a staggering 41.5%, and commercial crime is up 16%. While so-called contact crime still accounted for 32% of all crime, there had been declines in five of the seven categories measured – including murder, which was down by 3.4%.

But what do the stats tell us about car insurance?

Of particular concern is the following statistics:

  • House robberies are up 27.3%
  • Vehicle hijackings are up 5%
  • Truck hijackings are up by 15.4%

This is confirmation that South African car owners need to protect themselves from vehicle loss. Not only will it be required to have car insurance in place to cover against financial harm – but also vigilant and alert driving to protect from bodily harm.

On this Blog we will strive to provide advice, suggestions and information on how to protect both cars and the lives of vehicle owners!

Also view on the Arrive Alive website:

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Does cheaper car insurance imply women are better drivers?

Written on August 21st, 2009 by admin
Categories: Car Insurance Advice, Cheaper car insurance
Are women better drivers?

Are women better drivers?

A friend asked me to share my thoughts on this often heated debate. This is a topic that raises the voice levels amongst those trying to protect the “reputation” of their specific genders – I however promise to approach this in a calm, factual manner and through a discussion of a few scenarios. I will also be asking a few important questions in response to some of the arguments often raised!

Women will always raise as a very good argument the existence of an insurance company such as 1st for Women Insurance Brokers. This insurer says on its website the following: “..1st for Woman Insurance Brokers has always maintained that women are safer and more responsible drivers than men. In other words women are a better insurance risk and can therefore benefit from lower insurance premiums.”

I must admit that this is a very strong argument. I must also compliment this insurer for carefully selecting the words “safer and more responsible” and not the word “better”! Safety would always be an important consideration in identifying our best drivers…We would also have to recognize that there are many factors that could contribute to the statistics on vehicle accidents favouring our female drivers. But for any woman to refer to her gender as “better drivers” could however be far from the truth!!

To play devil’s advocate we would have to compare driving to the scenario of swimming accidents at sea. It is quite possible that there might be more male drownings at sea as well…But does this say that women are better swimmers? If you tend to splash around in the shallow water – does that make you a safe swimmer or a good swimmer?

I believe that the testosterone driven male species might pose a greater accident risk as a result of the following contributing factors;

  • Over-confidence
  • Showing-off
  • Excessive speeding
  • More instances of drunk driving and late night driving
  • Greater vulnerability to road rage etc

I am also convinced that the lower risk posed by female drivers could be as a result of:

  • Driving shorter distances
  • Driving at lower speeds
  • Greater responsibility in transporting children in urban areas
  • Less driving late at night and whilst intoxicated
  • The ability of many non-permanently employed women / stay-at-home moms [not many nowadays] to structure their driving away from rush hour and dangerous areas.
Maybe?

Maybe?

Men would however be less likely to cause a fender –bender accident whilst putting up make-up or attending to hair in the mirror. They would also not bother to look their passengers straight in the eye when communicating whilst driving! [Ok- I will stop here as I promised not to be nasty...and before I lose my last female friends.. ]

If we say that driving experience is an important criteria for a safe driver – [a reason why younger drivers pose a greater risk] – would it not be reasonable as well to say that the average male at a specific age would have driven a greater distance and confronted more hazards on the road than his female colleague of the same age? Would it be fair to say that this additional driving experience might make him a better driver?

Only if the driving conditions and driving requirements [stress/ workload] upon women and men were exactly the same would we be able to establish an answer resembling something such as a “better driver”.

Maybe not!

Maybe not!

So how could we possible create a test to determine the “BETTER” driver? I would like see an insurer sponsor the following driver test:

Randomly choose 10 drivers from each gender – 2 each in their 20’s, 30’s, 40’s, 50’s and 60’s without professional driving experience and have them drive the exact same route in an urban area under “rally” conditions. They would then have to drive at the same speeds at pre-determined sections to reach road markers within specific times and with the same directions given. We would make this more interesting with “real life” scenarios by adding specific threats on the road eg…pedestrians, vehicles moving into their way from the side and create emergency situations. This would allow us to better establish on average which gender the better driver might be…

How many male and how many female drivers do we have in South Africa? Our friends from eNaTIS provided interesting stats:

Male and Female Drivers in SA

Male and Female Drivers in SA

For now this question on the “BETTER” driver would remain unanswered…We could all be thankful for our safe female drivers …the more safe female drivers sharing the road with us the BETER and the SAFER!!!

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Would any car insurer offer to insure the vehicles of police officials?

Written on August 11th, 2009 by admin
Categories: Car Statistics
Police Vehicle in accident

Police Vehicle in accident

It has been revealed that taxpayers paid R88-million for a new fleet of cars for the Ekurhuleni Metro Police Department. A report also alerted the taxpayers to the shocking treatment by police officials of their vehicles…

The Star newspaper provided a list of incidents involving EMPD cars between July 2008 and June 2009. During this time there have been incidents of officers shooting at their own petrol tanks, reversing into each other, stealing car parts, crashing into walls and driving into ditches.

In total, 225 incidents are recorded, of which 110 are attributed to officer negligence, 111 are said to be the fault of members of the public and four remain undetermined. Of the 225 incidents, more than half – 125 – involved vehicles from the new fleet. EMPD spokesman Chief Superintendent Wilfred Kgasago said 130 cars had been damaged.

At least 39 crashes involved driving into ditches, crashing into stationery cars, bumping into barriers, canopies, walls, rocks, trees, gates, pavements, lamp posts, hitting pedestrians, parking badly, or reversing into other EMPD cars. The list details several serious head-on accidents and others caused by high-speed chases.

There was also relatively minor damage from accidents caused by skipping red robots, changing lanes or not allowing for enough following distance.

A spokesperson confirmed that the treatment of police vehicles has forced the department to admit it is time for officers to go back to advanced driving school. Most officers had undergone advanced driving training but were in need of refresher courses. Kgasago said that 15 instructors were being taught to be driving trainers at the EMPD academy.

Very few insurers would like to insure vehicles when exposed to these risks, and if they do – at a premium that would cost the taxpayers a significant amount of money!

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