Date post: | 12-Apr-2017 |
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Automotive |
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PowerPoint Presentation
Driving and insurance the black artJohn Davidge
A logical science or a black art?The world of drivingThe world of insurance
Learning to drive or just to pass a test?Micra vs SprinterTown vs countryside?Drivers from other countries?
Bleak House, Broadstairs
David Copperfield - Mr Micawber quote: Annual income twenty pounds, annual expenditure nineteen pounds nineteen shillings and sixpence, result happiness.
Annual income twenty pounds, annual expenditure twenty pounds nought and six, result misery.
Thanet Building Society
SuccessPersonal financeBusiness financeThe world of insuranceYour claims vs your premiums
If only life was that simple!
Keeping your premium staticRepair costs rising? (Brexit?)Compensation claims rising?Hidden costsMidlands Courier exampleImportant steps for you:Reduce your collision frequencyReduce your collision costsDo you know your starting figures?
Controlling claims costs
early notification of incidents is vital!
Controlling your claims costsYour No. 1 priority notify your insurer now!Get as much detail as possible - nowFull details for third party phone number, their vehicle detailsDriver call insurers claims team - NOWAs many photos as possible
Congestion, pollution, accidents is an inevitable by-product of motor vehicles accidents will happen when you are on the road
its not a problem though, it was the other drivers fault, he pulled out on me
Its all in the mind!
Controlling claim frequency
Setting the scene
NB this is not the video, just a screen shot from it! Brief resume to focus attention. Ask the audience:What type of road is this? What are the speed limits? (NB this is filmed in New Zealand but looks very similar to our roads)How busy is it? How good is visibility for these drivers? Any problem with low sun? Wet roads? Weather?Now watch carefully, think about what you are seeing. Trainer to play twice perhaps so that audience can take it in a second time
Mistakes...
Is this bridge difficult to see?Click to add bullet
Low bridge near Long Itchington, Warks next slide
Guess who didnt see the low bridge?Click to add bullet
Low bridge near Long Itchington, Warks a Ford Motor Company car transporter went through the low bridge causing damage to all vehicles on the top deck and the transporter itself.Using Sat-Nav for a short cut? Clearly not paying attention as he would have stopped before hitting the bridge.
Very few drivers go out intending to crash
Even less go on the road every day, intending NOT to crash..
The differences are subtle but significant.
Professional drivers should expect mistakes
New driver training pre-testExperienced business driver Roads Policing team training
Whats the difference?Explanation, demonstration, practise
Do you know your problems?What are your most common incidents?Where do they happen?Why do they happen?
To control a problem you have to understand the problemthen work on it!
being monitoredWhen we know we are being watched
IBM example
Understanding the problemsAll Cardinus trainers undertake induction training Understand common collision patterns how to preventAnd how to inspire driver to want to make changesUnderstanding habit patterns
Our habits
the chains of habit ate too weak to be felt, until they are too strong to be broken
New drivers the 6 points habit
How can we inspire new habits
Inspiring new habitsExcellence is an art won by training and habituation. We do not act rightly because we have virtue or excellence, but we rather have those because we have acted rightly. We are what we repeatedly do. Excellence, then, is not an act but a habit.Taking time to change, develop,, encourage good habits, pays of in the long term!
Need to understand the human machineWe can change habits best if we have a clear picture of what we want to changeIt takes time and efforts to do so but the results are well worth itBoard level support is important