To keep your drivers and vehicle fleet safe, it is crucial to create the right management culture, with a clear policy for the management of work-related road safety that is communicated to all staff. This should include:
When carrying out risk assessments, thought needs to be given to how people might be harmed when using vehicles in connection with the business, what precautions have been taken to manage the risks identified, and what further measures may need to be taken. Road transport businesses need to particularly think about issues such as how people might be harmed:
As transport operators, ask what might go wrong when a driver is behind the wheel of a vehicle and why. Then draw up and implement an action plan that prioritises and addresses the issues.
A written method statement that sets out how a particular task needs to be planned, resourced and carried out in order to address risks is particularly useful when higher-risk, complex, or relatively unusual tasks need to be undertaken.
From a road transport perspective, movement of abnormal loads, delivery and installation of park homes, and delivery of, lifting or installation of plant or machinery all may merit method statements.
Similarly, while communication with mobile workers is vital, the distraction caused by smartphones creates significant risks for road users. As it is illegal to cause or permit a driver to use a handheld mobile phone while driving, haulage and vehicle companies could be held responsible in the event of a serious collision while a phone is being used.
To mitigate this, draw up and communicate proper procedures relating to contacting drivers out on the road, which ensure the risk of distraction is minimised.
Driver training programmes involving time behind the wheel alongside a qualified instructor can play an important role in raising awareness of occupational road risk and highlighting the dangers associated with certain driving styles and behaviours.
To ensure that driver training brings about a lasting change in driving style and behaviour, positive behaviours need to be praised and rewarded on a regular basis. As well as rewarding safe and fuel efficient driving, such programmes require desirable outcomes to be clearly defined – outcomes such as achieving a defined period of crash-free driving or achieving average monthly fuel economy targets.
To help with the rewarding of positive behaviours, consideration may be given to sensitively deploying appropriate vehicle telematics solutions capable of monitoring driving style and behaviour, providing league tables that enable drivers to compare their driving skills with their peers, and enabling appropriate management intervention when undesirable driving traits are identified.
There has been much talk about whether the future of vehicle insurance lies with ‘how you drive’ telematics-based systems that monitor driving style and behaviour, and can be used to more accurately underwrite businesses wishing to insure their cars, vans and trucks.
When telematics systems are used as a tool to help change attitudes by focusing on positive behaviour, further enhance the awareness and knowledge of drivers through smartphone apps, and manage safe and fuel efficient driver incentive programmes, they can help significantly improve driving style and behaviour.
Factors that may encourage business customers representing no more than an ordinary risk to accept a move towards smart and usage-based vehicle insurance include:
While initially of greater attraction to single vehicle owners and those managing minifleets, Smart and usage-based vehicle insurance may in due course become the mainstream way of underwriting larger fleets as well.
In short, creating an occupational road safety culture brings both safety and financial benefits to your business. By following these methods, you will both improve safety for your drivers and fleet, and cut costs through more efficient driving and reduced vehicle insurance premiums.
We can offer tailored truck insurance with a series of options for drivers of single trucks or hauliers with fleets of up to five HGVs. Our cover ensures you have the right cover in place within a single policy, with no truck too big or too small. We can cover any truck ranging in size from 3.5t vehicles right through to trucks used to move abnormal loads.
For larger vehicle fleets, we also offer fleet insurance.
All cover is subject to normal underwriting terms and conditions.
Chris North FCII is a respected industry leader with over 40 years' experience, who has worked in the insurance industry in a variety of roles, accumulating a wealth of knowledge. He is currently Technical Manager for Towergate's motor division, providing expertise on all matters relating to motor fleet insurance, in particular haulage and self-drive hire fleets.
This is a marketing article by Towergate Insurance.
Date: August 08, 2017
Category: Commercial Vehicle