Motor Risk Management

How do your clients keep their employees and other road users safe whilst driving on business? There’s both legislation and corporate social responsibility to take into account, so how does your client go about this?

In the UK, more than a quarter of all road traffic collisions may involve someone who is driving for work in 2014.* Here at Aviva, our risk management team can help your clients look after staff who are on the road.

Why should your clients be interested in motor risk management?

Robust risk management can help your clients by;

·         improved operational performance which can see financial savings, meet service level agreements, increase brand reputation and better customer satisfaction

·         sustained reduction of road traffic collisions and claims frequency resulting in less downtime in business operations and long-term financial savings

·         minimise the exposure of fines and prosecution and any future potential increase in insurance premiums fines and all of the associated legal costs come directly off the bottom line; limiting these costs protects companies’ profits

·         retention and protection of employees and customers providing a consistent workforce and customer base as well as satisfied stakeholders

·         embed a safety culture which will have a significant influence on driver’s attitudes, perceptions of risk and their behaviour through the commitment of senior management and line management leading to fewer road traffic collisions

·         enhance brand reputation.If quality, efficiency, employee relations are all exemplary a business will have a reputation to reflect that.leading to a positive influence on the company’s value performance, retention of customers and attract new ones

·         result in significant bottom-line savings which protects companies’ profits and can be used to reinvest in the future success of the company.

 

How can Aviva help with this?

Surveys

Our risk consultant can do a survey of your client’s motor fleet and how they manage

·         their occupational road risks

·         operational risks

·         use of technology

·         driver profiling

·         collision investigation

·         proactive and reactive measures to monitor the effectiveness of the systems in place to drive continuous improvement

·         their driving safety culture

They’ll then produce a report and bespoke action plan for your client to manage these risks to their business.

Business Intelligence

We can look at your client’s data on their accidents to identify trends and patterns. This can then help to develop tailored solutions to reduce collisions in the future.

Telematics and In-Vehicle cameras

We work with various suppliers who can provide telematics and in-vehicle cameras to help identify drivers who are at risk. This can then be used to develop a behavioural change program to address the findings and look after the wellbeing of those employees. This data can also be used to help defend and settle claims.

Collision Avoidance Systems

Collisions avoidance systems in vehicles is becoming increasingly common such as autonomous emergency braking (AEB), lane departure systems and the installation of retrofitted Driver Assistance Systems to detect Vulnerable Road Users, forward collision warning, headway monitoring and warning.** These types of technology can significantly impact your road traffic collisions and drivers behaviours. Here at Aviva, we recommend that when your clients are investing in new vehicles and technology, they seriously consider these types of systems. They should speak with their Risk Consultant and Underwriter on the range of technologies which would be best suited to their needs.

Driving at work policies and procedures

Review the Driving at Work policy, Driver Handbook, Managers Guides – for managing occupational road risk documentation and assist with the development and the effective communication of these documents.

Training/Coaching

We can develop and deliver driver, management and senior management workshops for your clients. We also attend fleet forums where your clients can find out more about risk management as well as providing of tool box talks. Through our preferred suppliers, we can provide behaviour and skill based online assessments, driver profiling, workshops and in vehicle coaching.

For more information you can visit our risk management website where you can access tools and templates to support your customers when it comes to occupational road risk. Alternatively, if you have any questions, please contact your usual underwriter or Aviva sales manager.

 

* Department for Transport Figures RAS30037 Reported casualties in accidents, by journey purpose and casualty type, Great Britain, 2009 – 2014.

** Headway is defined as the time it will take to reach the current position of a vehicle driving ahead, and is calculated by dividing the distance to the vehicle ahead with the travel speed of the host vehicle – thus preventing hitting the vehicle in front.

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