Prof. Allan Manning

Phones and driving do not mix

Over the past month, 3 relatives and friends have been involved in motor vehicle accidents where at least one of the drivers has admitted to texting or doing emails while driving.

As well, there was the tragic accident involving two police officers who were severely injured whilst setting up a random breath testing station in Sydney. Another case in the last month where the driver admitted to being distracted by their phone.

This is a serious problem that is confronting society and the insurance industry and I support the decision by more and more underwriters to include an exclusion in their policy, giving them the ability to deny liability in the event that the insured driver was texting whilst driving and the accident occurred.

Clearly the police alone cannot address this situation, which to my mind, is only becoming worse.

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Product Recalls Australia – 14 February 2018

This week’s product recalls includes the following:

Jasper and Myrtle Chocolates — Jasper + Myrtle bean to bar handmade chocolate – all dark chocolate varieties 70g

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BMW Group Australia Ltd — BMW E70 X5 & E71 X6

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Toyota Motor Corporation Australia Limited — Lexus NX200t, NX300h, RX200t, RX350 & RX450h

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Mazda Australia Pty Ltd — Mazda2 (DJ hatch, DL sedan)

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Toys “R” Us — SmarTrike 700 Smartfold

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Comsol Pty Ltd — 4 Port USB Travel Charger

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NF Importers & Ducati Australia — Ducati Scrambler Cafe Racer, Multistrada 1200 S/Pikes Peak, Multistrada 1260 S/Pikes Peak, Monster 1200 S/R, XDiavel S, 1299 Panigale STD/S/S Anniversario, Panigale R, 1299 Superleggera and 1299 Panigale R Final Edition

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Blindsonline.com.au Pty Ltd — Elements Silver Aluminium Venetian Blind – 25 mm Slat

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Pillow Talk — Muse Harbour Outdoor Chair

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Groupon Australia Pty Ltd — Outdoor Bluetooth Speaker

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HQVA Pty Ltd — Husqvarna Motorcycle Model FS 450 Model Years 2016, 2017 & 2018

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FCA Australia Pty Ltd — Fiat Ducato 290/295 2.3 F1A E6 Van

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Independence Studios — Neon Dreams Light – shaped as a dinosaur, unicorn or a rainbow cloud

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Raffles Healthy Foods — Wholemeal Spelt Chia Loaf

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RISK AND THE INSURANCE BUSINESS IN HISTORY, SEVILLE 2019

As many of you know, I thoroughly enjoy researching the history of general insurance and the conference in 2019 in Seville, Spain is of great interest to me.

Professor Robin Pearson, who was a key note speaker at the Bengkulu conference to celebrate the 250th Anniversary of the Principle of Utmost Good Faith, is a co-host of the upcoming conference to be held at the University in Seville.

The links below are call for papers, which allows anyone to submit as well as papers that have been accepted.

If anyone has any particular questions please don’t hesitate to let me know, and if I cannot answer it, I will pass it along to Prof Pearson.

Sessions detailed information

Call for papers

Accepted Sessions

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Product Recalls Australia – 7 February 2018

This week’s product recalls includes the following:

Danish by Design Pty Ltd — Troll Mattress for Nicole, Sun and Lukas Cots

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Sweetin Pty Ltd trading as Cocofrio — Cocofrio Dairy & Gluten Free Frozen Dessert Strawberry Choc-Chip

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Torin Australasia — Hydraulic Trolley Jack

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Groupon Australia Pty Ltd — Outdoor Bluetooth Speaker

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Deere & Company / John Deere Limited — John Deere MY2017 Z345M, Z345R and Z355R Residential ZTrak™ Mowers

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MV Agusta Motor SpA — MV Agusta F4 RR & MV Agusta F4 RC Motorcycles

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Suzuki Australia Pty Ltd — GSX-R1000A, GSX-R1000R and GSX-R1000RZ Motorcycles

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Jasper and Myrtle Chocolates — Jasper + Myrtle bean to bar handmade chocolate Spice Rum dark chocolate 70g

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Shoppers Variety — Baby Play Set

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Dymocks Brisbane Pty Ltd and Trustee for the Welch Family Trust — Think Ink Pen

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Ateco Automotive Pty Ltd — Maserati (M156) GTS V8 Motor Vehicle

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Renault Australia — Renault Master III

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eBay Trader – wonderlandstore_house — Blackout Roller Blinds

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Volkswagen Group Australia — MY18 Volkswagen Polo

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Polaris Sales Australia — Indian Roadmaster Heavyweight Tourer Motorcycle

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Anaconda Group Pty Ltd — Fluid A-Frame 4 Bike Carrier with Anti-Sway

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ELIFE PTY LTD — Trike Stroller Prams

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eBay Trader – Designer Fabric For Less – Luxurious Linen Textured Blockout Roller Blind

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Fresh Delights — Pumpkin and Feta Pizza

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Le Rose Nominees Pty Ltd — Fruit Mince Tarts (extended recall)

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Aston Martin Lagonda Ltd — DB11 V12 Coupe and DB11 V8 Coupe

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For more recalls, please visit: https://www.productsafety.gov.au/recalls

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Product Recalls Australia – 31 January 2018

This week’s product recalls includes the following:

Adairs Retail Group Pty Ltd — Mandala Artwork Buddha

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Bloom and Grow Australia Pty Ltd — Skip Hop Tuo Convertible High Chair

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TradeTools Pty Ltd — AGP Dust Extractor Wet & Dry with 1200W Outlet

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PSEA Dept Stores Pty Ltd — Smith + Nobel 10kg Electronic Kitchen Scale

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Honda Australia Pty Ltd — MY 2013 Jazz, MY 2013 Jazz Hybrid, MY 2013 Insight and MY 2013 Accord Euro models

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Mercedes-Benz Australia/Pacific Pty Ltd — MY17 Mercedes-Benz A Class vehicles

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Mercedes-Benz Australia/Pacific Pty Ltd — MY15 V Class / Vito Van

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Product Recalls Australia – 24 January 2018

This week’s product recalls includes the following:

PS Importers Pty Ltd — Moto Guzzi V9 Motorcycle

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Apotex Pty Ltd — APO-Metformin XR 1000mg tablets

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Simplot Australia Pty Ltd — Leggo’s Basil Pesto

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Coles Supermarkets Australia Pty Ltd — Coles Potato Salad

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Toyota Motor Corporation Australia Limited — Lexus IS250, IS250C, IS350 & IS-F

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Jaguar Land Rover — MY17 Range Rover and Range Rover Sport

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Jaguar Land Rover — MY16-18 Jaguar XE, XF, XJ and F-Pace models

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Jarvis Walker Pty Ltd — Adult Personal Flotation Device (PFD) Type 1

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Cooper Tire & Rubber Company — Mastercraft A/S IV White Wall Tyres with sizes P235/75R15 and P205/75R15

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IG Design Group Australia Pty Ltd — Anker Art Light Up LED Helicopter

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PS Importers — Aprilia RSV4 & Tuono

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The major risks facing business in 2018

Business Interruption, cyber attacks, and natural catastrophes are, not surprisingly to us in the industry, the leading business risks this year, according to more than 1,900 risk experts from 80 countries polled for the latest Allianz Risk Barometer.

The survey by Allianz Global Corporate and Specialty reveals that cyber attacks and business interruption remain the leading two risks in Australia. What remains disappointing is that both cyber and business interruption coverage is often not taken out by many small to medium enterprises, commonly at their peril.

I continue to urge all business owners and managers to discuss these and other risks with their insurance broker.

Changes to legislation/regulation and natural catastrophes are also high on the list.

To read the excellent full report please visit: http://www.agcs.allianz.com/insights/white-papers-and-case-studies/allianz-risk-barometer-2018/ 

I conclude with their very insightful infographic.

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Product Safety Australia – Recalls 17 January 2018

This week’s product recalls includes the following:

Jetpilot Australia Pty Ltd — The Cause Kids Neo Vest Personal Flotation Device (PFD)

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Honda Motor Co. Ltd — GL1800 Goldwing Motor Cycle

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Le Rose Nominees Pty Ltd — Fruit Mince Tarts

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Tassal Operations Pty Ltd — Tasmanian Smokehouse Australia Sliced Smoked Salmon

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Murray River Organics Pty Ltd — Coconut milk powder non-organic / non-GMO

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ABC Sales & Marketing Pty Ltd — Mamee Monster Rice Sticks vegetable flavour 6 pack

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Golden North Pty Ltd — Frozen icecream – various flavours and sizes of brands Golden North, Black & Gold, Country Style, Foodland and Simple

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BMW AG — C Series – C 650 Sport/ C 650 GT, F Series – F 700 GS/F 800 GS / F800 GS Adventure, R nine T Scrambler

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FCA Australia Pty Ltd — 2010 (DJ) Dodge RAM 2500 Pickup and 2010 (D2) Dodge RAM 3500 Pickup

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FCA Australia Pty Ltd — Vehicle Recovery Strap supplied with 2014 – 2018 (KL) Jeep Cherokee Trailhawk

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Linley Valley Pork — Thai Coconut and Lemongrass Pork Loin Roast

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Marine Power International Pty Ltd — Mercury Diesel 3.0L 225HP and 265HP Sterndrive marine engines

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For more please visit https://www.productsafety.gov.au/recall/

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Product Safety Australia – 4 January 2018

Happy New Year!

Some of this year’s first recalls includes the following:

PS Importers Pty Ltd — Moto Guzzi V7 III Motorcycles

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Subaru (Aust) Ltd. — Impreza MY 2004-2007

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Saint Constance Pty Ltd — Kidstar Safety Car Seat

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Saint Constance Pty Ltd — Norluc Baby Car Seat

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Saint Constance Pty Ltd — Portable Pram Baby Toddler Stroller Convertible Jogger Baby Seat

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Aston Martin Lagonda Ltd — DB9, DBS, Rapide, Virage & Vanquish Motor Vehicles

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Tai Fu International — XI ZHI LANG Jelly

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When is it time to stop pretending to care about customers and actually start?

I reported on two claims recently which were completely and utterly off the rails. The first being a home where this would be the 4th Christmas the Insured would be out of their home despite having their insurers top of the range product. It was a bush fire situation and there was no suspicion of arson, it was just a case of the panel beater builders completely letting the Insured down. After 15 months of trying, we finally got a common-sense solution, but it has now been 6 weeks that the release has been stuck in legal. How to draft a release was one of the first things I learnt as a claims officer when I was 17 years old and I cannot understand how a claim that has been so terrible handled is dragged on so that it cannot be resolved before Christmas number 4.

I was equally dismayed this morning to see a comment in The Age (21st December 2017) where an Insured has said

“The insurance companies are hopeless I won’t use them, I’ll just try and sell these”

This is a response to the recent hail storm we had in Melbourne.

It is comments like these and the negative feedback from the Insured in the claims that I wrote about recently, which they are saying to their friends and relatives, which caused the great doubt of trust in our industry. An industry which has as its core principles, Utmost Good Faith.

If we don’t address this situation we will suffer as an industry in the long term.

Source: The Age Newspaper, Melbourne, 21 December 2017

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