Santam s experience within the Aviation Sector

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1 Santam s experience within the Aviation Sector SA CIVIL AVIATION AUTHORITY 7t h National Safety Seminar 24 th October 2013 Presentation by: James Godden

2 Content Page About Santam Ltd Santam Aviation Experience

3 About Santam Ltd 1. Our 94-year-old Company Excellent Track Record Assets of more than R18 billion Annualised Gross Written Premium over R18,5 billion Leading short-term insurer with a market share of over 23% Santam core intermediated business insures more than policyholders We insure most of the top 100 JSE listed companies

4 SANTAM AVIATION EXPERIENCE 10/31/2013

5 Briefly about Santam Aviation Santam Aviation is SA s longest established Aviation Insurer specialising in products which include: Corporate aircraft Private owners and sport classes Charter operators as well as aircraft owners and operators liability Experimental aircraft Deductible insurance Agricultural aircraft Gliders

6 Composition of Santam s Aviation Portfolio Santam Aviation has a wide spectrum of aircraft in its portfolio Predominant focus is the general aviation market Bulk of portfolio comprised of private owner and small/medium commercial operators Aircraft insured range from micro light to B 737 s 20% of portfolio comprised of light sport aircraft Portfolio predominantly comprised of South African Risks but aircraft outside of the country are also insured by Santam Focus for purposes of this presentation on the South African Portion of the portfolio

7 Insurance Claims: The year 2013 to date 2013 Year to date Sep 30 Average number of claims per month: 33 Average cost of claim per month: R 6,677,777 Number of landing accidents to date: 115 Number of power line accidents: 4(not crop spraying) 40% of all claims are made up of landing accidents

8 Trends in Insurance Claims History 1. Predominant reason for claims are accidents as a result of pilot error / judgment 2. Predominant sector is the private recreational area, this is particularly high in the ZU category Of concern is the number of incidents/accidents that take place in flying clubs/schools It is accepted that flying schools are a higher risk profile BUT the number of unnecessary accidents are concerning 3. Accidents, especially those involving serious injuries or fatalities are more than often avoidable. Poor decision making and in certain instances blatant recklessness are responsible for most of these accidents

9 Examples of unnecessary accidents These are numerous examples, predominant is: Flying in instrument conditions without the necessary licensed rating Misjudging landing strip length, too short for the aircraft i.e. not having done the correct homework Flying overweight often a trend in commercial operations Incorrect fuel management and Incorrect selection of engines in twins (shutting the wrong engine down) Flying too low (borders on recklessness) Taking chances e.g. Trying to find a gap in the weather instead of turning around (borders on recklessness) The disturbing aspect of these trends is that they are largely a reflection of poor attitude and/or poor training (usually go together)

10 Effects to our Insurance Industry Currently rates are at an all time low due to excess capacity in the market (world wide phenomenon) Low rates mean reduced premium for insurers Escalation in claims continues as does the cost of repair and liability claims Insurers will be forced in the near future if the current trend continues to either push up rates or to consider exiting this insurance sector Fair to say the situation is relatively critical at the moment

11 Where to from here? Greater cooperation between insurance industry and CAA will be necessary, especially when it comes to information sharing e.g. growing accident trends Knowledge exchange can assist in proactive preventative measures put into effect Cooperation between CAA and insurers to collaborate on safety campaigns and incentives put in place Initiatives like this safety symposium are needed and should become more common place A good look at training standards in all our flying schools needs to be taken with particular focus on training attitude

12 Our role going forward Share claims data with CAA Highlight claim trends Make sure legislation in Aviation is upheld Educate our clients

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