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21th July 1972, Page 45
21th July 1972
Page 45
Page 45, 21th July 1972 — insurance
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Which of the following most accurately describes the problem?

Insure against continental tummy or worse

by John C. Vann

• While more and more British vehicles are running to the Continent these days and, moreover, Britain's entry into the EEC is due on January 1, 1973, one of the problems Continental operation can involve may have escaped some operators' attentions. What if a CV driver or his mate gets "Continental tummy" or worse, or is injured while in Europe in the course of his work?

Operators will find it well worth while examining a special insurance scheme — Transporters' Medical Service (Transmed for short) -devised for international goods road transport drivers land their mates) which is aimed at taking the worries from employers.

The scheme has been thought up by the insurance brokers, Garland Goss and Co Ltd, Insurance House, 226 Tolworth Rise South, Tolworth, Surrey, along with Trans-Care Ltd, which is a specialist company formed by medical insurance and transport interests for the purpose of repatriating sick or injured persons on a worldwide basis.

Suppose a driver is seriously injured on the • Continent. The driver would be taken to the nearest hospital and a heavy medical expenses bill could face the employers, as reciprocal medical treatment arrangements do not operate between all the Continental countries and Britain. For instance, medical treatment in France has to be paid for — and it's not cheap!

Normal commercial vehicle policies do not cover the costs when a driver is injured or falls ill. What some firms do is to take out insurance cover for medical expenses on the Continent in respect of their drivers and mates, this cover being on similar lines to the cover given to holidaymakers who go abroad.

The Transmed scheme covers much more. Not only are all medical expenses payable up to £500, but up to £1,000 is paid for the charter of an air ambulance or use of air transport including qualified attendants provided a doctor certifies that repatriation is necessary for treatment. Also included in the cover is payment of single fare ir transport for a replacement driver to t vel to the vehicle so that it can continue to its destination. Trans-Care communications, telephone and telex, are open 24 hours a day, seven days a week.

The cost? This is based on thç number of vehicles in an employer's intern onal fleet. The basic cover of £500 per perso costs £24 a year for each vehicle. The charge is related to the vehicle rather than to the driver because the former changes less frequently. The cover embraces authorized passengers, including mates. Cover can be increased to £1000 for which the charge is £29 a year each vehicle.

If sufficient hauliers join the scheme, the cost is likely to be reduced.

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People: John C. Vann
Locations: Surrey

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