discovery insure road safety round table - arrive alive
TRANSCRIPT
Discovery Insure road safety round table Anton Ossip, CEO and Themba Baloyi, Executive Director
Our roads are not safe A road accident fatality occurs
once every 38 minutes
Source: Road Traffic Management Corporation’s (RTMC) Road Traffic Report for South Africa 2011 published by Swedish Transport Administration http://www.unece.org/fileadmin/DAM/trans/doc/2013/wp1/Nat_Dev-2013-Sweden.pdf Transport Canada https://www.tc.gc.ca/eng/motorvehiclesafety/tp-1317.htm#2
Estimated cost of all road
accidents to RSA economy: 7.8% of GDP
(R307bn) South Africa 27.5
India 9
Russia 23
Canada 6.5
Brazil 18
Sweden 3
Discovery’s core purpose
To make people healthier and
enhance and protect their lives
Discovery Insure’s vision
An insurer that protects people and their possessions,
offering them the most comprehensive and innovative insurance
by using powerful incentives and telematics technology to reduce risk
through improved driving behaviour and advanced safety features,
thereby creating great drivers and safer roads for all.
at the lowest long-term cost,
Discovery Insure road safety round table Themba Baloyi, Executive Director
Good and excellent
The causes are clear: Driver behaviour
55% 25%
of fatalities involve driving
under the influence
of accidents are related to cell phone use
of severe accidents are preceded by
15 minutes of poor driver behaviour
53%
37% 32%
16% 5%
Late night driving
Braking Speeding Accelerating Cornering
drivers have
fewer and less severe accidents
costing us almost
50% less than our poor and
average drivers
60%
Source: Road Traffic Management Corporation’s (RTMC) Road Traffic Report for South Africa 2011 published by Discovery Insure data National Safety Council estimate 2011, US
The causes are clear: Vehicle condition
Over 740 000 cars are either un-
roadworthy, un-licenced or both
Vitalitydrive Annual MultiPoint checks
One in five clients
immediately take steps to improve their vehicle safety
Completed Annual Multipoint check
0%
20%
40%
60%
80%
100%
No Yes
3 times less accidents
Rel
ativ
e ac
cid
ent
rate
Source: Road Traffic Management Corporation’s (RTMC) Road Traffic Report for South Africa 2011 published by Discovery Insure data
Insurance claims are highly correlated to
rainfall
The causes are clear: Environment
Weather Road conditions
Example, Great North Road, M45 Kempton Park
Discovery Insure tracking device data
Harsh braking hotspot
Actual accident
Media reports -
100
200
300
400
500
600
700
0%
2%
4%
6%
8%
10%
12%
14%
Annualised Frequency of Weather Claims
Contents Rainfall
Rainfall Claims
A collaborative approach is needed
Driver behaviour
Vehicle condition Environment
Individual Public Sector
Private Sector
Discovery Insure Insights
1 Incentives improve behaviour
Up to 50% in monthly fuel rewards
Driver behavioural profile
Good
Average
Below average
=
Driver performance
Knowledge & awareness
Vehicle condition & roadworthiness
+
+
DQ
Up to 50% in monthly fuel rewards
Driver behavioural profile
Good
Average
Below average
=
Driver performance
Knowledge & awareness
Vehicle condition & roadworthiness
+
+
DQ
Up to 50% in monthly fuel rewards
Driver behavioural profile
Good
Average
Below average
=
Driver performance
Knowledge & awareness
Vehicle condition & roadworthiness
+
+
DQ=
Poor and average
Good Excellent
Driver improvement over 12 months
Month 1
Month 12 29% 36%
137%
0%
20%
40%
60%
80%
100%
Poor Average Good Excellent
Loss ratio (relative to Base)
Discovery Insure Insights
2 Feedback empowers behaviour change
Driving behaviour Number of events for
June
Number of events for
May
Distance driven 1632.8km 2618.3km
Harsh accelerations 82 128
Harsh braking 1 4
% time speeding 4.6% 15.14%
Weekday late night driving
1 3
Weekend late night driving
1 3
Ranking
You need to improve your driving as you currently rank
in the bottom 25% of all Discovery Insure drivers
Before During feedback campaign
After campaign
Improvement in number of acceleration, braking and cornering events during a pilot
campaign
Young adult benefit drivers have
25% fewer accidents than other under 26 year olds
We give direct feedback to the young adults and their parents
51% 33%
Discovery Insure Insights
3 Education, information and tools reduces risk
“ Yesterday I received the warning SMS from Discovery Insure regarding the hail, I pulled
into the nearest service station under cover.
5 minutes later it hailed GOLF BALL sized hail. If not for that SMS my brand new car would
have been badly damaged.”
Weather alerts Completed online knowledge and awareness activities
0%
20%
40%
60%
80%
100%
No Yes
Rel
ativ
e ac
cid
ent
rate
2-3 times less
Completed online knowledge and awareness activities
Safe driving
Night driving
Anti-hijack course
EyeGym
Peripheral vision
Depth perception
Speed and reaction Dr Sherylle Calder Sports scientist and performance coach
Discovery Insure road safety round table Anton Ossip, CEO and Themba Baloyi, Executive Director
International data USA
Source: http://www.cdc.gov/motorvehiclesafety/local/b/includes/mvcfatalitiesmap/mvcfatalitiesmap.html
East: 7 deaths per 100 000
Best public transportation infrastructure
West: 8 deaths per 100 000 Little public transportation, most well developed student driver education and licensing system
South: 18 deaths per 100 000 Least impactful driver education and licensing system and weak public transport
International data Sweden
Reduced road fatalities by 97% in 20 years
Holistic approach, involving Politicians, Road network managers, Police, Vehicle manufacturers, Transport
procurement (public and private), Health sector, Insurance sector, Industry
“Swedish people now drive more responsibly on the roads and our private sector competes to save lives”
Source: http://www.visionzeroinitiative.com/
International initiatives
40% to 95% more effective than traditional measures
Breathalysers linked to ignition keeping drunk drivers off the roads, for first time and repeat offenders
International initiatives
Luminescent paint charges during the day increasing visibility at night. Paint changes
shape based on weather conditions giving real-
time warnings. Implemented in second
half of 2013
Netherlands