May 2015 Newsletter – Commercial vs Private

Commercial Motor policy vs Private Motor policy – What’s the difference?

A gentle reminder to those who run their own business. If you use your vehicle for business use (e.g. to generate income) then you should be insuring your vehicle(s) on a Commercial Motor Policy. This policy covers both business and Private use. Generally there are no “named drivers” or younger driver exclusions – so long as the driver is driving within the bounds of their licence, then the policy will respond.

A Private policy is, as the name implies, for private use only. These policies are more flexible and there are many ways to reduce the cost of cover – excluding <25yr old drivers, specifying named drivers and electing higher XS’s. You may drive your vehicle to and from work/business, but any business use is excluded.

If you unsure if you have the correct policy, please feel free to contact us immediately and we will best advise you.

ACC Motor Claims

Every year there are about 4,000 new ACC claims for injuries that occurred in motor vehicle crashes on New Zealand roads.
  • In 2013 fatigue was identified as a contributing factor in 32 fatal crashes, 109 serious injury crashes and 427 minor injury crashes. These crashes resulted in 33 deaths, 153 serious injuries and 600 minor injuries. The total social cost of crashes involving driver fatigue was about $274 million.
  • If you drive with less than 6 hours sleep your risk of a car accident TRIPLES.
  • Crashes involving fatigue are most likely to occur between 3am and 5am because our body clocks (circadian rhythms) programme us to feel sleepy. There is also a secondary peak in sleepiness between 3pm and 5pm. This is the time of the day when physical and mental performance is at its worst.

What causes fatigue?
For people who drive as part of their work, fatigue is a major risk factor. It can slow reaction times, affect concentration and undermine their ability to drive safely. 

A number of factors in the workplace and in a person’s personal life can lead to fatigue. Some factors include:

  • extended working hours and irregular and unpredictable working hours
  • early starts and working at night
  • shift work, having more than one job
  • sleep disorders
  • stress.

Tips to avoid fatigue: 

  • make sleep a priority – aim to get enough good-quality sleep every night; eight hours is ideal for adults
  • avoid eating and drinking too much before you go to bed – if you are hungry, have a light snack
  • avoid alcohol, caffeine and cigarettes before bed

Sunstrike – What is it?
Sunstrike occurs when the sun’s rays hit your windscreen at a low angle, usually during sunrise or sunset, making it very difficult to see. 

Unfortunately sunstrike has been the cause of many road crashes, simply because the driver could not see another vehicle. Over a five year period, NZ road crashes involving sunstrike:

  • on average 2 people killed and 500 more injured every year
  • Canterbury (118), Waikato (97) and Otago (76) had the highest number of crashes (AA)
  • May is the worst month of the year for sunstrike

Reducing the danger of sunstrike 

  • Be prepared for possible sunstrike when driving at sunrise or sunset, especially when turning or driving towards the sun. A driving break during these times is a good idea.
  • If you are having difficulty seeing, pull over and stop for a few minutes until your eyes adjust or visibility improves.
  • Keep your windscreen clean, inside and out. Dust and grime on the windscreen can make the effect of sun-strike much worse.
  • When driving into the sun wear sunglasses and use your vehicle’s sun visor to block the sun.
  • Drive with your headlights on, so your vehicle is easier to see
(NZ Transport Agency website:


Insurance Reps are the second most dangerous to live with!

A new analysis of home insurance claims has discovered who is most likely to burn your house down, flood the bathroom, or leave your door unlocked or windows open when you’re out – and it doesn’t look good for those working in insurance!

According to the study, by the Daily Mirror (UK), insurance representatives are the occupation group in second place for professions that claim the most.

The 10 professions that claim the most were:

  1. Teacher
  2. Insurance representative
  3. Personal trainer
  4. Head teacher
  5. Finance director
  6. Home help
  7. Technician
  8. Business consultant
  9. Signalman
  10. Financial advisor

The safest professions were training consultant, photographer, transport officer, post-woman, ground worker, systems manager, deputy manager, contractor, building inspector and motor mechanic.

The survey also looked at marital status, with separated people making the most insurance claims, and married people making twice as many claims than those in a civil partnership.

According to age groups, people in their 60s were the most likely to claim, with those in their 20s and 40s safer than those in their 30s.

People with birthdays between March 14 and April 14 were the riskiest to share a flat with, while those born between October 23 and November 22 are the safest to live with.

So if you’re a separated insurance broker in your 60s and Pisces is your star sign, don’t be surprised if no one answers your Flatmate Wanted ad!

(NZ Insurance Business, Mar 15)


Kiwis find going to the dentist a pain in the wallet

68% of New Zealanders say they put off going to the dentist purely because of the cost, and only 32% of us go to the dentist each year.

A September 2014 survey commissioned by Southern Cross also shows that:

  • 19% don’t like going to the dentist
  • 16% don’t feel like they need to go
  • 4% don’t have time to go to the dentist
  • 32% go once or twice a year
  • 39% go only when they have an issue
  • 16% said they never went

A Ministry of Health survey (2014) shows that dental problems have an indirect cost to society, with 10% of adults aged 18–64 years taking an average of 2.1 days off work or school in the previous year due to problems with their teeth or mouth. Dental decay remains the most prevalent chronic (and reversible) disease in New Zealand. In 2009 one in three adults had untreated coronal decay and one in ten had root decay.
What’s the best way out of this predicament? A smart tactic is to invest in a regular examination to find issues before they become big and expensive. Last year the average fee for an examination and x-rays was $99 – affordable for most people. An examination in time could save thousands down the line.

(Southern Cross)

MJIB Sporting Trivia!

  1. Who is the current men’s Wimbledon champion?
  2. What year did Ritchie McCaw debut for the All Blacks?
  3. How many test cricket triple centuries have there been scored by a New Zealander?
  4. How many World Cups have been won by the Australian cricket team?
  5. Which famous yacht race starts on Boxing Day each year?
  6. What three movements are required for an athlete to successfully complete a triple jump?
  7. Which team is the current NZ rugby Premiership champion?
  8. Name the 5 x manufactures contesting the Australian V8 Supercars racing series?
  9. Name two of the countries vying to host the FIFA World Cup soccer competition in 2018.
  10. In which sport do competitors use leather gloves, bells and hoods?

Answers: 1. Novak Djokovic 2. 2001 3. One (Brendon McCullum, 2014) 4. Five (1987, 1999, 2003, 2007, 2015) 5. The Sydney to Hobart Yacht Race 6. Hop, step and jump 7. Taranaki 8. Holden, Ford, Nissan, Mercedes Benz & Volvo 9. USA, England, Australia, Russia, Belgium, Netherlands, Indonesia, Japan, Korea Republic, Mexico, Qatar, Spain, Portugal 10. Falconry or hawking