SPEEDING

VUM Taxi Insurance is passionate about the safety of the people in South Africa. This article shares the facts about speeding and the danger it causes!

Slower driving saves lives!
International experience shows that as speeds reduce, the road toll goes down.

Research shows that a 1 km/h reduction in the average speed can produce up to a 3 percent reduction in injury crashes.

Rural roads: Research has demonstrated that there will be twice as many fatal crashes when the average speed on rural roads is 120 km/h, than when it is 100 km/h. There are three times as many fatalities in a crash when the average speed is 130 km/h.

Urban roads: Research has demonstrated that the risk of involvement in a casualty crash increases exponentially. With each 5 km/h increase in traveling speed above a 60 km/h speed limit, the risk of involvement in a casualty crash approximately doubles

Evidence of the speed/crash relationship: Evidence of the speed/crash relationship has been demonstrated in studies of the following situations:

Between 1987 and 1988, 40 states in the United States of America raised the speed limit on interstate highways from 55 m.p.h. (88 km/h) to 65 m.p.h. (104 km/h). This resulted in an increase in average car speeds of about 3 m.p.h. (5 km/h). Over the same period, there was an increase in fatalities on these roads of between 20 and 25 percent.

During the 1973 fuel crisis, the New Zealand government reduced rural speed limits from 55 m.p.h. (88 km/h) to 50 m.p.h. (80 km/h). Because of concern about fuel shortages, many people complied with the new speed limit: there was an 8-10 km/h reduction in average rural speeds. This led to a significant drop in the number of injuries on these roads.

In Australia, the speed limit on Melbourne’s rural and outer freeway network was increased from 100 km/h to 110 km/h in 1987, and then changed back to 100 km/h in 1989. The injury crash rate was compared with a ‘control group’ (an area where the speed limit remained the same). It was found that the injury crash rate per kilometer traveled increased by 24.6 percent following the change from 100 to 110 km/h, and decreased by 19.3 percent following the change back to 100 km/h.

Risks to pedestrians:

The severity of injuries sustained by a pedestrian hit by a vehicle is clearly related to the impact speed. The risk of death increases dramatically at speeds from 40 to 60 km/h. For example, the likelihood of death for a pedestrian hit at 40 km/h is approximately 30 percent, while the likelihood of death for a pedestrian hit at 60 km/h is around 90 percent. The risks for vulnerable pedestrians, such as the elderly and young children, are even higher.

SPECIALIST TAXI INSURANCE

It doesn’t matter if you own a sedan, minibus, midibus, tuk-tuk or metered cab, as long as someone is paying to be transported in your car, we will cover you with our specialist Taxi Insurance product. VUM offers the widest range of insurance products for these types of vehicles. Beyond the normal Comprehensive Insurance, you can get additional cover for:

Fixed expenses

We will pay you a set amount each week while your vehicle is being repaired or replaced following an accident or theft

Passenger Liability

Personal accident

Sound Equipment

Trailer Cover

Credit Protection

INSURANCE FOR SMALL EMERGING BUSINESSES

If you’re paying us your hard earned money, you deserve to know what you are paying for. That’s why we have developed a product that cuts through the complexity and simply gives you reliable insurance at a premium that your business can afford. Backed by Santam, VUM stands ready to insure your small business against unforeseen risks. VUM specialises in giving real, honest, transparent cover to small and emerging businesses. We understand your business and are ready to give you the cover you need.

Motor

Buildings, Contents and Stock

Electronic Equipment and Machinery

Money

Business All Risks

Goods in Transit

Public Liability

Business Interruption

Employee Dishonesty

Personal Accident

Roadside Assistance

SASRIA

NO CLAIMS BONUS AWARD

This is a no claims bonus rewarding the insured for applying sound business practice
and loyalty to VUM.

SPEEDING

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SPECIALIST TAXI INSURANCE

INSURANCE FOR SMALL EMERGING BUSINESSES

NO CLAIMS BONUS AWARD

10% of premium will be paid to the client after 36 months of claims free cover.

10% of premium will be paid to the client after
36 months of claims free cover.