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Journeys : Oct Nov 2010
October / November 2010 29 PANEL BEATING SPRAY PAINTING Two pack spray and bake booth CHASSIS WORK Measure and alignment system from Finland MINTYS BODYWORKS 107 Mornington Road Mornington Telephone 6244 4732 Facsimile 6244 3845 Life on the move Insurance matters A regular column from RACT Insurance CEO Trent Sayers In our 25th anniversary year, R ACT Insurance is pleased to be able to report another strong year, thanks to the relationship that we enjoy with our Tasm anian customers. We do thank you for the tr ust you place in us to handle your insurance needs, and I can assure you that we work very hard to m aintain that level of tr ust. During the financial year, we responded to the needs of over 23,000 customers, providing them with help when they needed it most at claim time, and we fir mly established ourselves as Tasm ania's largest general insurer. One particular growth area we noticed during the year was a significant spike in the number of claims for mobile electronic equipment that had been lost, stolen or dropped. As one policy holder told us, a new iPhone is great. But it is easy to drop when you're getting into the car in a hurry. Given the number of expensive items people carry around with them each day, it is really important to take out appropriate personal effects cover if you want these types of items insured outside of the home. Also be aware that there is a difference between un specified and specified item s. Unless item s are specified they may be subject to limits on insurance policies. By specifying such items your insurance company agrees to cover them for the full replacement cost. I'd urge our policy holders to do a stocktake of these types of items that you've acquired over the last year or two, and give us a call if you're concer ned about what's covered in your personal effects portfolio. The RACT's 2010 program of free winter car safety checks around Tasmania has led to a plea for all car ow ners to check the safety of their tyres. We found other problems as well. "Many cars simply aren't being adequately maintained, to the extent that some inspected vehicles had very low oil and coolant levels and were a major breakdown and repair job waiting to occur," Darren Moody, RACT General Manager, Roadside and Technical Services says. But the chief safety concer n was the state of tyres. Nine free winter safety checking stations were set up around Tasmania, inspecting about 200 cars. "Overall, 25% of all the tyres we inspected were un safe, and we saw a significant number of tyres that were downright dangerous, and should not have travelled another kilometre on the road," Darren Moody says. "In this year's free winter checks we found tyres that had wor n dow n to the steel belts and beyond. In most instances, the car owners were completely unaware of the situation or the danger it posed." Many other tyres were worn to the extent that they were beginning to show tread wear bars, which are an indicator that the tyre has reached the end of its safe operating life. "All car ow ners should monitor wear on their tyres every month or two," he says. "Your tyres are absolutely fundamental to your ow n safety on the road, and the safety of others. You simply can't ignore them." The winter car safety program also revealed ongoing problems with child restraints. In some cases, the wrong type of restraint was being used for the age of the child; restraints had passed their use-by date, or had been incor rectly fitted. We adjusted 90% of the child restraints we inspected. While a small majority had been correctly fitted, we were able to make some adjustments to them to en sure they would be safer in the event of a crash. Around 25% of the batteries we checked were also on their last legs and likely to fail within the short ter m. Still in the mechanical area, we discovered a number of emerging problems ranging from low or non-existent oil levels, to belts and hoses that needed replacement, along with poor cooling system m aintenance. Statistically these were as high as in past winter motoring checks." Seat belts were another cause of concer n. "We found -- in particular with drivers' seatbelts -- that there was fraying of the webbing or the retractor system not working properly," Dar ren says. "Fraying is something we nor mally see in older cars. This year, we discovered it in some newer vehicles which is a concern. Belt damage was also evident from jamming the belt in the door or similar." In most cases when the seat belt fails to retract, it's because of a waxy buildup on the belt guides usually transferred from one's clothes to the belt, and then to the guides. Our technicians were able to clean them to regain correct operation. 2010 free winter checks -- a safety plea from the RACT
Aug Sep 2010