Last year, the transport sector registered a slight increase, a trend forecast for 2022, even if the supply chains faced various problems.
Rising costs, the crisis of skilled labor, poor infrastructure, the adoption of the European Mobility Package Directive 1, which introduces the mandatory return of lorries home every eight weeks, and the new rules on the secondment of professional drivers, all generate significant increases in costs of Romanian carriers.
Rising inflation, especially for fuel and energy, has also affected carriers’ operating costs, which have increased by 10% in 2021 compared to 2020, given that the cost of fuel is almost half of the operating cost of a road hauler.
The lack of predictability of the local economic and political environment generates difficulties in resource management. Supply chain managers strive to keep things going and meet challenges. If some of them are easier to predict and manage, the risk is always the element of surprise that can destabilize any balance. And while no one can guarantee your full safety, proper insurance can guarantee the continuity of your personal plans or of your business when something unexpected happens.
Why I need insurance
There are various situations in which insurance helps you to get over the unforeseen events that can affect both the business integrity and the personal safety of the employees. Choosing the right insurance gives you the comfort you need to focus on running your business, so that you can overcome easily any problem that may occur: damage repairs, financial resources, etc.
In order to insure your company, goods, employees but also the means of transport (road, rail, naval) owned, rented or in operation, we offer you a wide range of insurance:
- Carrier’s liability for the carriage of goods under road convention
- Cargo insurance
- Money and other values insurance
- Insurance of sea or river vessels and pleasure boats
- Railway insurance
- Liability insurance for transport-related activities
- Fleet hull insurance
- Liability insurance
- Group insurance for travel abroad
- Employee benefits
What is insured
- Company – Liability insurance will help you deal with unforeseen situations if in the course of your business you cause material damage or personal injury to third parties (customers, employees, suppliers, etc.). The goods delivery services that are the object of the road or pedestrian transport are provided, on the Romanian territory.
- Merchandise – Cargo insurance is addressed to the companies producing the goods (producers), including employees and subcontractors.
- Employees – Group personal accident insurance is the way to provide the necessary support and financial support to employees in the event of unpleasant events related to their work capacity. As an employer, caring for the well-being of your employees is a constant concern, especially if the company’s business involves risks of injury to them.
Also, Health Insurance as an additional benefit to salary rights, is the tool by which your company, regardless of size, provides financial support to employees and their families, when unforeseen events occur in their lives. Even if your employees are insured with the public health system or there may be a private medical subscription, it is important to provide them with private health insurance. All are products that provide varying degrees of coverage, most often for complementary medical services.
We also recommend clauses for business efficiency and business continuity
It is addressed to any new client legal entity with a fleet of cars/ vans up to 3.5 tons with policies concluded for 12 months, with payment in 4 installments and an insurance premium is greater than or equal to EUR 500 or the equivalent in RON/ USD. The service is free, offered in partnership with Viasat Systems and involves the installation of a telematics device on each car in the fleet, which records data on time spent in traffic and the driving style of drivers, with a direct effect on the insurance premium.
What do you get with Fleet Control?
- Reduction of rates depending on the driving style on each car, up to 40% of the value of each premium rate, starting with rate 2.
- Predictability of the insurance premium over time and other long-term benefits (reduction of fuel consumption, accountability of employees to the company’s assets, etc.).
- Viasat telematics equipment that is installed on each insured vehicle, in a service unit.
- Access to ViaTrackBase, the system that provides you, through customizable reports, information for fleet monitoring: instant position; over a period of time required; Km traveled in a required period; vehicle speed, speeding; parking (location and time of parking); alert setting: ITP, revisions, RCA expiration, etc.
- Flexible monitoring, the data being delivered simultaneously in the web and mobile app. Thus, fleet coordinators have access to real-time information with the potential to improve results.
- Streamlining the management of the car fleet through an easy-to-use system that allows you to have an overview of the entire fleet, in conditions of confidentiality.
Coverage of the insured’s additional expenses in connection with exceptional events
The clause complements the CMR policy and covers the additional costs of the freight carrier in connection with:
- the driver of the goods transport vehicle (driver) eg: daytime costs
- cargo vehicle eg fuel costs for the operation of the refrigeration system or for maintaining the optimum temperature in the cab of the vehicle
- expenses with disinfection of the interior of the car cabin, as a result of a health emergency caused by epidemic/pandemic, national or global health emergency declared by the authorities
Additional insurance to replace the insured
This clause complements the Group Insurance policy for travel abroad. The carrier has the option to purchase a group travel policy which, in addition to the medical assistance provided to drivers, will cover the costs of traveling abroad and replacing the driver, respectively the costs of returning to the country, as appropriate. The coverage is valid if during the trip abroad, after crossing the Romanian border, the driver faces one of the following situations:
- is forced to interrupt the trip and return to the country due to: death, injury or serious illness of a relative in Romania, premature birth of his wife in Romania, with more than 60 calendar days than the term estimated by the doctor or serious property damage to personal property
- is hospitalized for more than 3 consecutive days as a result of an accident or medical emergency
Challenges and difficult times are part of any entrepreneur’s journey – you can’t avoid them and you can’t predict them, but you can provide them with the right policy. We hope this material has helped you discover it and better understand what it can do for you.
Take a step towards a secure future and ask for an offer. Write to us at relatii.clienti@groupama.ro or directly on the website https://www.groupama.ro/contact or choose the Groupama network of agencies and collaborators.