Latest news with #AllianzAustralia
The Age
2 days ago
- Business
- The Age
Greg made an insurance claim after a serious bike crash. Then a private investigator came calling
'When someone makes a workers' compensation claim, the insurer needs to figure out two main things: whether the person meets the definition of a 'worker' and whether the injury is one that falls under the scheme,' Denning said. 'To do that, they often ask for personal detail, like how the person was employed, where they live, and exactly what was happening when the injury occurred. That's especially the case for injuries that happen on a journey to or from work.' Denning said if someone was worried about what could happen with their data – especially if the claim ends up being rejected – it was a good idea to speak with a lawyer before proceeding. Under Victorian legislation, employees are entitled to compensation if their injury arises 'out of or in the course of any employment'. But as the Victorian Chamber of Commerce and Industry notes, 'there is no single definition of what will and will not be deemed to be a work-related injury' – leading to ambiguity on whether a worker's injury should lead to compensation. The chamber said the legislation provided 'some clarity by listing several examples deemed to be 'in the course of employment', such as where the worker is travelling for the purpose of their employment, or where they are injured whilst attending a compulsory training course'. Insurer Allianz Australia, an authorised agent of the Victorian WorkCover Authority, rejected Muller's claim because he was injured during his commute outside work hours. 'Allianz has determined that your injuries have not arisen in or out of the course of your employment … you sustained the injuries while travelling from your home to your workplace,' it said. Allianz did not respond to requests for comment on Muller's case. Loading Muller accepts the decision to reject his claim but does not understand why he was interviewed about his personal life when his accident did not fall under WorkCover's umbrella. 'I thought, why the hell did I go through all this? This should never have proceeded,' he said. He is also frustrated that Allianz says it is unable to delete his personal information – particularly when large-scale cyber breaches are increasingly common. 'Regarding the request to erase information obtained during the claim investigation, please note that we are unable to delete this information. However, rest assured that no personal data will be disclosed externally,' it said. Investigators are not required to determine whether a person is eligible for WorkCover before interviewing them about their personal life. WorkSafe, which manages workers' compensation in Victoria, said investigators had a responsibility to ask a wide range of questions regarding a claimant's personal and health matters to assess a claim. It also said it was required to hold on to claimants' data for various periods in case claimants made future claims or launched legal proceedings. John Pane, data privacy expert and chair of digital rights not-for-profit Electronic Frontiers Australia, said the Victorian and federal governments needed to update privacy laws to require organisations to delete individuals' data on request, as happened in the European Union. 'There is no current right in Australia that grants individuals the power to demand that their personal data be deleted from any organisation that holds it, even if they unlawfully or erroneously captured it,' Pane said. 'And the retention period of these records could be for a substantial period of time.' While there is no 'right to erasure' in this country, Allianz is required, under the Australian Privacy Principles, to only use or disclose personal information 'for the purpose for which it is collected'. Taxpayers have poured more than $1.3 billion into WorkCover to help cover the rising cost of claims, particularly in mental health-related claims. There were 35,575 new claims to WorkCover in the 2024 financial year, up 25 per cent in three years.
Sydney Morning Herald
2 days ago
- Business
- Sydney Morning Herald
Greg made an insurance claim after a serious bike crash. Then a private investigator came calling
'When someone makes a workers' compensation claim, the insurer needs to figure out two main things: whether the person meets the definition of a 'worker' and whether the injury is one that falls under the scheme,' Denning said. 'To do that, they often ask for personal detail, like how the person was employed, where they live, and exactly what was happening when the injury occurred. That's especially the case for injuries that happen on a journey to or from work.' Denning said if someone was worried about what could happen with their data – especially if the claim ends up being rejected – it was a good idea to speak with a lawyer before proceeding. Under Victorian legislation, employees are entitled to compensation if their injury arises 'out of or in the course of any employment'. But as the Victorian Chamber of Commerce and Industry notes, 'there is no single definition of what will and will not be deemed to be a work-related injury' – leading to ambiguity on whether a worker's injury should lead to compensation. The chamber said the legislation provided 'some clarity by listing several examples deemed to be 'in the course of employment', such as where the worker is travelling for the purpose of their employment, or where they are injured whilst attending a compulsory training course'. Insurer Allianz Australia, an authorised agent of the Victorian WorkCover Authority, rejected Muller's claim because he was injured during his commute outside work hours. 'Allianz has determined that your injuries have not arisen in or out of the course of your employment … you sustained the injuries while travelling from your home to your workplace,' it said. Allianz did not respond to requests for comment on Muller's case. Loading Muller accepts the decision to reject his claim but does not understand why he was interviewed about his personal life when his accident did not fall under WorkCover's umbrella. 'I thought, why the hell did I go through all this? This should never have proceeded,' he said. He is also frustrated that Allianz says it is unable to delete his personal information – particularly when large-scale cyber breaches are increasingly common. 'Regarding the request to erase information obtained during the claim investigation, please note that we are unable to delete this information. However, rest assured that no personal data will be disclosed externally,' it said. Investigators are not required to determine whether a person is eligible for WorkCover before interviewing them about their personal life. WorkSafe, which manages workers' compensation in Victoria, said investigators had a responsibility to ask a wide range of questions regarding a claimant's personal and health matters to assess a claim. It also said it was required to hold on to claimants' data for various periods in case claimants made future claims or launched legal proceedings. John Pane, data privacy expert and chair of digital rights not-for-profit Electronic Frontiers Australia, said the Victorian and federal governments needed to update privacy laws to require organisations to delete individuals' data on request, as happened in the European Union. 'There is no current right in Australia that grants individuals the power to demand that their personal data be deleted from any organisation that holds it, even if they unlawfully or erroneously captured it,' Pane said. 'And the retention period of these records could be for a substantial period of time.' While there is no 'right to erasure' in this country, Allianz is required, under the Australian Privacy Principles, to only use or disclose personal information 'for the purpose for which it is collected'. Taxpayers have poured more than $1.3 billion into WorkCover to help cover the rising cost of claims, particularly in mental health-related claims. There were 35,575 new claims to WorkCover in the 2024 financial year, up 25 per cent in three years.
The Advertiser
6 days ago
- Automotive
- The Advertiser
It's official. Baby Shark is the most annoying kids' song when driving
It's official. Baby Shark by Pinkfong is the most distracting kids' song when driving, according to Aussie parents. The song, dating back to the late 20th century, went viral in 2016 after the South Korean entertainment company released a version of the track. The video of the song, with accompanying dance movements, is the most viewed clip on YouTube, accumulating over 15 billion views, research from Allianz Australia has found. See the full list: Fifty-three per cent of Aussie parents nominated the kids' classic as the most distracting song. This was followed by Wheels on the Bus (28 per cent) and Old McDonald's Farm (20 per cent). The research found sixty per cent of Aussie parents say the type of childrens' music they play affects their driving behaviour. Forty per cent say they are more likely to catch themselves speeding as a result. Fast-paced music, particularly songs with over 120 beats per minute (BPM), significantly impaired driving performance. In contrast, slower music, ranging between 60-80 BPM, was found to have a beneficial effect, with 50 per cent of parents saying it helped them stay relaxed. READ MORE: Childcare abuse probe widens with more centres linked to accused worker Allianz GM Laura Halbert told ACM that songs like Baby Shark are "super catchy" but also have a "fast tempo and repetitive nature" that likely has an impact on a driver's ability to concentrate. "As the school holidays come to an end, and with the homeward journey in mind, we want to give parents a simple tool to help them stay focused and ensure the safety of their loved ones," she said. As for her pet song peeve? Ms Halbert, who is a mother herself, nominated Lava Chicken from this year's A MineCraft Movie. To access your own Allianz Seat Belters playlist, click here. It's official. Baby Shark by Pinkfong is the most distracting kids' song when driving, according to Aussie parents. The song, dating back to the late 20th century, went viral in 2016 after the South Korean entertainment company released a version of the track. The video of the song, with accompanying dance movements, is the most viewed clip on YouTube, accumulating over 15 billion views, research from Allianz Australia has found. See the full list: Fifty-three per cent of Aussie parents nominated the kids' classic as the most distracting song. This was followed by Wheels on the Bus (28 per cent) and Old McDonald's Farm (20 per cent). The research found sixty per cent of Aussie parents say the type of childrens' music they play affects their driving behaviour. Forty per cent say they are more likely to catch themselves speeding as a result. Fast-paced music, particularly songs with over 120 beats per minute (BPM), significantly impaired driving performance. In contrast, slower music, ranging between 60-80 BPM, was found to have a beneficial effect, with 50 per cent of parents saying it helped them stay relaxed. READ MORE: Childcare abuse probe widens with more centres linked to accused worker Allianz GM Laura Halbert told ACM that songs like Baby Shark are "super catchy" but also have a "fast tempo and repetitive nature" that likely has an impact on a driver's ability to concentrate. "As the school holidays come to an end, and with the homeward journey in mind, we want to give parents a simple tool to help them stay focused and ensure the safety of their loved ones," she said. As for her pet song peeve? Ms Halbert, who is a mother herself, nominated Lava Chicken from this year's A MineCraft Movie. To access your own Allianz Seat Belters playlist, click here. It's official. Baby Shark by Pinkfong is the most distracting kids' song when driving, according to Aussie parents. The song, dating back to the late 20th century, went viral in 2016 after the South Korean entertainment company released a version of the track. The video of the song, with accompanying dance movements, is the most viewed clip on YouTube, accumulating over 15 billion views, research from Allianz Australia has found. See the full list: Fifty-three per cent of Aussie parents nominated the kids' classic as the most distracting song. This was followed by Wheels on the Bus (28 per cent) and Old McDonald's Farm (20 per cent). The research found sixty per cent of Aussie parents say the type of childrens' music they play affects their driving behaviour. Forty per cent say they are more likely to catch themselves speeding as a result. Fast-paced music, particularly songs with over 120 beats per minute (BPM), significantly impaired driving performance. In contrast, slower music, ranging between 60-80 BPM, was found to have a beneficial effect, with 50 per cent of parents saying it helped them stay relaxed. READ MORE: Childcare abuse probe widens with more centres linked to accused worker Allianz GM Laura Halbert told ACM that songs like Baby Shark are "super catchy" but also have a "fast tempo and repetitive nature" that likely has an impact on a driver's ability to concentrate. "As the school holidays come to an end, and with the homeward journey in mind, we want to give parents a simple tool to help them stay focused and ensure the safety of their loved ones," she said. As for her pet song peeve? Ms Halbert, who is a mother herself, nominated Lava Chicken from this year's A MineCraft Movie. To access your own Allianz Seat Belters playlist, click here.
West Australian
31-05-2025
- Automotive
- West Australian
Spotify AI tool Seat Belters promotes driver safety with playlist hack, based on fresh research
You're driving down the freeway and a car screams past with frenetic music blasting from the windows. There's every chance those blaring beats are directly linked with the driver's reckless behaviour. We know music can have a powerful effect on our emotions, and it turns out it has a major impact on how safely we drive, too, with studies showing songs with a beat-per-minute count of more than 120 to be the worst culprits. These up-tempo tracks have been proven to negatively affect reaction times and overall awareness, producing more erratic driving patterns and riskier on-road attitudes. New research from Allianz Australia reveals one in three (32 per cent) Aussie drivers believes music affects their driving, with a third of those (33 per cent) reporting decreased concentration when listening to high-bpm music on the road. But if you think this category of music is reserved for heavy metal or bass-rich techno, think again. Your favourite song may well be within the BPM danger zone. Taylor Swift's pop banger Shake It Off and OutKast's Hey Ya! both come in at 160bpm, while Beat It by Michael Jackson (138), I Will Survive by Gloria Gaynor (132) and Bye Bye Bye by NSYNC (173) are all well over what is considered safe for on-road listening. At exactly 120bpm, Lady Gaga's Poker Face, Mark Ronson and Bruno Mars' Uptown Funk, Adele's Rolling In The Deep and ABBA's Dancing Queen are also just out of bounds. According to Allianz's data, more than half (52 per cent) of Aussie drivers sing along to music while in their car and 44 per cent will crank up the volume when their favourite song comes on, potentially creating dangerous conditions without us even realising. Road safety expert Andry Rakotonirainy has investigated the connection between auditory inputs, like music, and cognitive performance while driving and was fascinated by the findings. 'The emerging data from Allianz Australia is particularly interesting to me, as it shows how music tempo can influence concentration, reaction time and even speeding, highlighting the need for me to explore this further, especially as in-car entertainment becomes more pervasive and immersive,' Dr Rakotonirainy says. 'When we think about running, we often choose fast-tempo music to push our pace. The same concept applies to driving, as higher bpm tracks can subconsciously encourage faster speeds and reduce concentration. 'It's not surprising that the tempo of the music we listen to can influence how we behave behind the wheel.' Yet clearly it's hard to pick a harmonic hazard if earlier examples are anything to go by. Dr Rakotonirainy says there are some genres that are more likely to have a lower bpm, in the 'ideal' range of 60-80, including classical, ambient, acoustic and jazz. 'These types of genres generally have slower tempos and fewer sudden changes, which could help maintain a steady pace and reduce the likelihood of risky driving behaviours, such as speeding or reduced reaction times,' he explains. Some popular songs that fall into the 60-80bpm category are The Beatles' Let It Be (72), Etta James' At Last (87), Billie Eilish's Ocean Eyes (73), Sam Smith's Stay With Me (84) and TLC's Waterfalls (89). However, we don't have to manually look up the bpm of our favourite songs to make sure they are suitable for driving. Bolstered by the research, Allianz has partnered with Spotify to create a new in-app tool, Seat Belters, which generates personalised playlists that sit within the 60-80bpm range while considering users' music interests. Utilising Spotify's steaming intelligence to promote a more focused state for those behind the wheel is a crucial innovation, Dr Rakotonirainy says. 'Tech platforms like Spotify have enormous reach and can personalise content in real time,' he says. 'By embedding safety-focused experiences like Allianz Seat Belters into everyday music listening and making the experience available to all Spotify users, Allianz is helping to encourage safer driving behaviours at scale.' He adds, 'If Australians could take a moment to consider the music they are listening to before getting behind the wheel, it could have a positive impact on their behaviour.' As for whether there is a genre of music that can turn us into better drivers, there isn't yet conclusive research. 'Driving behaviour is closely linked to psychological states such as mood and arousal,' Dr Rakotonirainy says. 'Music has the potential to positively influence mood and enhance the driving experience. However, from a research perspective, isolating the effect of specific types of music on driving performance is methodologically complex, due to individual variability in music preferences, baseline mood and driving context.' While there is no one-size-fits-all solution, Seat Belters aims to strike a balance — especially when 58 per cent of Aussie drivers say they 'always' listen to music while on the road and 13 million people around the country are active Spotify users every month. 'The in-app experience is a great chance for music lovers to combine safety and entertainment in a fun, relatable and accessible way,' Dr Rakotonirainy says. As artificial intelligence infiltrates our daily life at an exponential rate, Dr Rakotonirainy is continuing to investigate the intersection between technology and driver safety. 'While many people are familiar with automated or driverless cars, technologies heavily reliant on AI, its potential goes well beyond automation — it will improve safety,' he says. 'AI can also enable real-time monitoring of driving conditions, detect distraction or drowsiness, assess cognitive load, and even adapt in-car environments or vehicle speed accordingly. 'Beyond music, AI could also enhance route planning and deliver smarter in-vehicle alerts, creating a more responsive and human-centred driving experience.' + To create your own personalised Seat Belters playlist, visit + Allianz's research was conducted in April 2025 and sampled more than 1000 Australians aged 18 and above who hold valid driver's licences and listen to music while driving.
News.com.au
13-05-2025
- Automotive
- News.com.au
Find out how a playlist could impact your safety behind the wheel
Songs with a faster tempo can have a negative impact on driving behaviours, according to new research that revealed that some of our favourite tunes can hamper crucial decision-making. Songs with more than 120 beats per minute (BPM) were found to be the music that affected some drivers' speed, alertness and reaction time. The research by Allianz Australia revealed that of the 32 per cent of people who responded that they are affected by music while driving, nearly one in three admitted that the pace or tempo makes them drive faster. Another 33 per cent noted a decrease in overall concentration when listening to music. With many of the hit songs of the season falling in this range – including Charli xcx's Brat and Troye Sivan's Rush – road safety experts are asking drivers to be aware of how music can affect their mood when behind the wheel. According to experts, the ideal BPM for music while driving is 60-80, which studies suggest can promote safer driving by encouraging a calmer and more focused state. Conversely, songs with a BPM between 120 and 125 are believed to be the best for jogging, as they can help people to synchronise their stride to the beat. Although music can be a helpful tool to stay focused on drives involving long monotonous roads, road safety expert Andry Rakotonirainy said it was important that drivers think about their song choice. 'Music has been created to generate emotion,' Dr Rakotonirainy said when asked why some music impacts our behaviour more than others. 'Enhanced situational awareness is paramount for road safety. 'Research, including studies by Allianz, has shown that faster-paced music directly correlates with increased driver distraction, leading to poor decision making.' Although Dr Rakotonirainy said music wouldn't affect everyone the same, choosing slower-paced music was one way to enhance road safety. To ensure that drivers can listen to their favourite songs while travelling safely on roads, Allianz Australia have joined forces with Spotify to launch 'Seat Belters', an in-app function that creates personalised playlists that only include songs with lower beats per minute. The feature has been launched to coincide with National Road Safety Week, taking place from May 11–18. Dr Rakotonirainy reminded drivers to organise their playlists before they begin driving to avoid distractions. 'While Allianz's research specifically highlights the link between music and driver safety, revealing that nearly a third of drivers believe music affects how they drive, it's important to also consider other potentially harmful habits like phone-use, smoking, eating and drinking, and speeding,' he added. To access the function, search 'Seat Belters' in the Spotify app.
