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Journeys : August September 2009
Insurance matters A regular column from RACT Insurance CEO Trent Sayers RACT Insurance has a long tradition of supporting community activities, and there is probably nothing more grassroots, involving everyone from players to volunteers, than football. In particular, we’re sponsoring the RACT Insurance Player of the Year. The winner will emerge from a weekly vote of Tasmanian print media football reporters. We’re also continuing to explore with AFL Tasmania other ways in which to assist the league through support at the community base of the game. ——— 100,000 Tasmanians are actively involved in football each week. The game reaches into just about every level of every community, and so we thought it deserving of our support. R ACT Insurance has become a major sponsor of AFL Tasmania. Some n my last column, I mentioned that as many as 70% of Tasmanian homes may be underinsured. I An increase in the replacement sum insured value does not have a major impact on the final premium and it makes sure you are adequately covered in the event of a fire or other disaster. What’s your best car? A ustralia’s Best Cars has launched a new web tool that will enable users to filter the 282 cars in the current edition of Australia’s Best Cars magazine and reveal the most compatible new car based on their own purchasing criteria. The My Best Car feature will require the user to rate a range of criteria in order of importance. These personal weightings, in combination with the judges’ scores, will then reveal a new total score for each car in any given category. “The weightings that we use to arrive at the results in Australia’s Best Cars Awards each year are based on the majority consensus of Australian motoring club members, using the online Your Say Survey results,” says ABC Chief Judge Ernest Litera. “Using the My Best Car tool, individuals can now see which cars are most compatible with their own purchasing requirements by rating criteria such as running and repair costs, security and space in order of importance.” “Using the My Best Car tool in conjunction with the Australia’s Best Cars magazine, new car buyers can feel armed with all the information they need,” Mr Litera says. My Best Car online can be accessed via the Australia’s Best Cars website www.australiasbestcars.com.au Reviews of the 282 cars assessed can be viewed in the current edition of Australia’s Best Cars magazine, which can be purchased at News Direct newsagencies or from your local RACT branch. Life on the move When determining the insured value for your home, base it on the replacement value, not the market value. Apart from the actual cost of materials and labour for rebuilding a home, also take into account external assets, such as carports, sheds, and fences, as well as costs such as removal of debris, architects’ fees and council charges. Even the slope of the land may have an impact on replacement costs. The East Coast bushfires in 2006 were a case in point. Some home owners had placed little or no value on the cost of replacing old fencing. They were shocked to find replacement costs for fencing that may have been two or three decades old had soared in the intervening years. Do an audit of the replacement value of your home and its contents on a regular basis and update your insurance accordingly. That’s our advice to policy holders. Driver Assessment (OTDA). This is a comprehensive off-road and on-road assessment process designed to determine the impact a medical condition or disability has on an individual’s ability to drive in a safe and independent manner. Occupational Therapy Driver Assessments I An OTDA can only be conducted by an occupational therapist qualified to conduct driver assessments. The off-road assessment involves screening a person’s vision, physical and cognitive ability and road-law knowledge. The on-road assessment is carried out in a driving instructor’s vehicle. The driving instructor sits in the front to provide instructions and maintain safety. The occupational therapist’s role is to assess the impact of your condition on your ability to drive safely and legally. Both may provide feedback during this time. The occupational therapist writes a report based on the information obtained from both assessments with recommendations, which may include: • Installation of vehicle modifications such as hand controls or left foot accelerator • Completion of a series of lessons with the driving instructor to improve driving practices, or to become proficient in using the vehicle modifications • Restriction to driving only with a qualified driving instructor or other fully licensed driver • Recommended use of an automatic vehicle only • Cancellation of the driving licence For further information, talk to your GP. August / September 09 29 f you have a medical condition that could affect your ability to drive safely, your doctor may request an Occupational Therapy
June July 2009
October November 2009