Tuesday, 26 July 2016

RIDING SAFELY DURING THE LONG HOLIDAY


Riding bicycle is a healthy and fun way to exercise. During these long holiday, one of the fun activities that our children would love to engage in is riding their bicycle. Hence it is important to remember that a bicycle is not only a toy but a vehicle and needs to be ridden with care and safety.

Here are some cool and basic safety tips you and your children should know before riding:

Safe Riding Tips
Before using your bicycle, make sure it is ready to ride. You should always inspect your bike to make sure all parts are secure and working properly. 

Remember to:
  • Wear a Properly Fitted Bicycle Helmet. Protect your brain, save your life.  
  • Check your bicycle properly before riding. Inflate tires properly and check that brakes work perfectly. Do a Quick Bicycle Test; check your brakes and your wheels. Make sure that “quick release” wheels are properly secured.
  • See and Be Seen. Whether daytime, dawn, dusk, or at night, you need to be seen by others. Wearing white has not been shown to make you more visible. Rather, always wear neon, fluorescent, or other bright colours when riding day or night. Also wear something that reflects light, such as reflective tape or markings, or flashing lights. Remember, just because you can see a driver doesn’t mean the driver can see you.
  • Control Your Bicycle. Always ride with at least one hand on the handlebars.
  • Stay Alert Keep a lookout for obstacles in your path.
  • Obey all Traffic Laws & Lights
  • Don’t Get Distracted Don’t listen to music or talk on the phone while riding.
  • Watch for and Avoid Road Hazards. Be on the lookout for hazards such as potholes, broken glass, gravel, puddles, leaves, and dogs. All these hazards can cause a crash. If you are riding with friends and you are in the lead, yell out and point to the hazard to alert the riders behind you.
  • Avoid Riding at Night. It is far more dangerous to ride at night than during the day because you are harder for others to see. If you have to ride at night, wear something that makes you more easily seen by others.
  • Look, Signal & Look Again Use hand signals to let drivers and other bicyclists know where you’re going. Look and make eye contact. Don’t assume drivers will stop.
Many bicycle-related crashes resulting in injury or death are associated with the bicyclist’s behaviour, including such things as not wearing a bicycle helmet, riding into a street without stopping, turning left or swerving into traffic that is coming from behind, running a stop sign, and riding the wrong way in traffic. To maximize your safety, always wear a helmet AND follow the rules of the road.

Bicycle Safety for Children
The safest place for children riding bicycle is on the street and sidewalks, where bicycles are expected to stay safe with little or no traffic of motorist.
  • Always wear a helmet and fasten it before riding.
  • Ride on the right hand side of the road.
  • Ride with friends.
  • Always ensure that your tires have air in them.
  • For riding on a sidewalk: 
    • Watch for vehicles coming out of or turning into driveways.
    • Stop at corners of sidewalks and streets to look for cars and to make sure the drivers see you before crossing. 
    • Enter a street at a corner and not between parked cars. Alert pedestrians that you are near by saying, “Excuse me,” or, “Passing on your left,” or use a bell or horn.
Practicing these safe riding tips should guarantee you and your children a safe and incident-free riding activities during this holiday.

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Sources:

Thursday, 14 July 2016

SEAT BELT - USAGE & SAFETY


Everyone driving on Nigerian roads, knows they should use their seat belt as required by FRSC. The law was openly enforcement in 2015. However, there is a certain percentage of people who still don’t regularly buckle up or pay little attention when using it.

Let’s be honest, do you actually know the right way to wear your seat belt? Where does the lap belt cross your body? How much slack is in the shoulder harness? What about securing kids who have outgrown a car seat or booster seat? Or restraining pets that are along for the ride?

A lot of people simply fasten their seat belts and go while others just who have it already tied down only pull it over their head, without giving these questions another thought. But, having the right fit can make a big difference when it comes to protection. Research has also shown that proper seat belt usage reduces serious crash-related injuries and deaths by about 60%.

So check out these tips, and the next time you hop in the car, take a closer look at how you’re buckling up.

Seat Belt Tips for Adults
Here are the safety tips to observe when using the seat belt;
  • Your shoulder harness should be worn across the shoulder and chest with minimal slack.
  • Never wear it behind your back or under your arm; improper seat belt use could actually contribute to serious internal injuries in a crash.
  • The lap belt should be fitted closely and low across your hips.
  • And remember, while air bags offer additional protection, they are not a substitute for seat belts. For example, in a somersault crash, an air bag won’t keep you in your seat.
 For Pregnant Women these should be noted;
  • secure the lap belt firmly under your bump and across your hips.
  • The shoulder harness should go across your chest (keep it away from your neck) and to the side of your belly, not across it.

Car Safety for Kids
In general, kids should remain in a booster seat until they are big enough to fit properly into a seat belt, according to Parents Central.

However, children should be seated such that their posture meet the following conditions:
  • Able to keep their backs against the vehicle seat
  • Able to keep their knees naturally bent over the edge of the vehicle seat
  • Able to keep their feet flat on the floor
  • Keep in mind that the belt must fit snugly across the upper thighs (not the stomach)
  • The shoulder harness should lie snug across the shoulder and the chest (not the neck or face).
  • Check the fit for every child on every ride.
We all realize the benefits of wearing seat belts, so keep buckling up. And, make a real effort to wear them properly, too, so you get the strongest possible protection for you and your loved ones.

Follow us on our twitter handle - @con_hallmark 
                & facebook page - conhallmark

Visit our website for our tailor-made insurance covers at www.consolidatedhallmark.com 

Sources:
imminet.com/wp-content/.../03/3079P-Seat-Belt-Usage-Instructions-Rev2_lores.pdf
www.safercar.gov/parents/TeenDriving/pdf-teen/seatbeltuse.pdf
www.fmcsa.dot.gov › Safety › Data & Statistics
https://www.police.qld.gov.au/EventsandAlerts/campaigns/.../seat_belts_fs.pdf

Friday, 1 July 2016

NEW NIGERIAN INSURERS ASSOCIATION CHAIRMAN, EDDIE EFEKOHA SETS FOUR POINT AGENDA TO RE-POSITION INSURANCE BUSINESS




The new Chairman of the Nigerian Insurers Association (NIA) Eddie Efekoha, has identified four key programmes his administration would focus to take insurance operations to lofty heights. He disclosed this today at the 45th Annual General Meeting of the association in Lagos, where the mantle of leadership was bequeathed on him.

According to him, his administration would promote stakeholders’ engagement with policy makers at the Judiciary, the Legislature and other relevant agencies of the government, as well as regulatory institutions and industry players; enforce market discipline amongst key industry players which will involve engagement with colleagues and partners in the industry to encourage market development and continuity in the industry; review the NIA constitution to make it more dynamic in response to the changing business environment and pursue other current projects embarked upon by the association most important of which is the NIA Building Project.
He noted that the theme of his administration is: “Sustainable Market Development Through Stakeholders Engagement”, stressing that his cabinet will deal with the identified programmes to the best of their abilities.
He commended the National Insurance Commission under the leadership of Mohammed Kari, the Commissioner for Insurance, for instituting the Insurers’ Committee, a platform for dialogue between the regulator and regulated entities for the growth of the industry.
“Every leader is born for his own time! It is my opinion that our industry at this time will benefit a lot from the openness to dialogue of the Commission as a means to addressing some of the ills of the market today for long term sustainability, growth and ease of regulation. This is in line with the theme of my chairmanship and therefore I will not hesitate to encourage our members to participate actively as they have done since the inauguration of the Committee,” he said.
The Managing Director of Consolidated Hallmark Insurance, Efekoha maintained that the NIA has and will continue to remain true to its legacy as an institution that exists to champion the cause of the insurance industry and that his administration will ensure that the founders’ sense of purpose is upheld at all times.