Move aside “Rukun Tetangga”, here comes “Community Policing“.
Community Policing is a brain-child of Mr. Kuan Chee Heng, the special assistant to Seri Serdang assemblyman Datuk Mohd Satim Diman. But wait, I am not promoting CH Kuan or Datuk Satim….. but BLOG for FT – Please click to VOTE for Community Policing with your Friendly Insurers!
What is Community Policing? Basically, Community Policing is about the local community working closely with the police for crime prevention.
Community Policing -proven to work. When I read the news on the achievements made by the Bandar Bukit Puchong’s community policing team, especially with the part on the recovery of some stolen motor-cylces, I felt jubilant. It was one up for the community against crimes that have had been building up throughout the country over the last couple of years or so. KUALA LUMPUR is no exception.
The Insurance of Dilemma? As an insurance practitioner, I must say, crime related losses made up nothing less than 70% of the total available claims files annually. I cannot help feeling exasperated viewing those files day in and day out…., from petty theft of household contents, armed robbery, murder, theft at contract or work-sites, vehicle theft to employee misappropriation – what not? Worst… none of these crimes are on the decline, they are there to give the insurers a very hard time and ultimately, we would need to go back to the customers for rate increase and more stringent terms and conditions of cover although more than often we will not get them….
So… blame who? The government for poor security implementation? The politicians for being opportunists? The policemen for their lackadaisical attitude? Or the Insured themselves for being careless and taking things for granted? Blame also the society or community that couldn’t be bothered with things happening around them, because crimes only happened to people who are careless and they believe they are not?
Sharing Our Resources for Kuala Lumpur. Although the police had already identified 10 major ‘hot spots’ within the domains of Kuala Lumpur – Bukit Bintang and Jalan Pudu areas, which are under the jurisdiction of the Dang Wangi police; Brickfields and Kuchai Park (Brickfields police) Taman Midah, Taman Connaught, Alam Damai (Cheras), and Jinjang North, Metro Prima Kepong, Danau Kota (Sentul), little improvements were seen thus far. Main reason cited, our police is understaffed, and despite having enlisted the help of the People’s Volunteer Corps (Rela), the crime rate is not subsiding.
In a country with more than 25 million people, our police force is a mere 90,000 which is grossly understaffed. This is no doubt, but the strength of our People’s Volunteer Corps (Rela) as at 30 September, 2009 stands at 596,799 personnel, ain’t this enough to do the job? Was implementation flawed again or available resources were not wisely allocated with the main objective in reducing crime? Anyway we are not discussing issues in regards to the operational effectiveness of our force but rather on the subject of Community Policing and how our Insurance industry can lend a helping in this respect.
Can Insurance Companies Share and Contribute to Community Policing? Can we make Community Policing concepts work in Kuala Lumpur with some helping hand from the insurance companies operating in the non-life segment?
I have no doubt that Community Policing (CP) should work well in Kuala Lumpur, it is just a matter of how our insurance companies should realign their Corporate Social Responsibility (CSR) programme making CP an important part of the overall CSR equation. According to Persatuan Insuran Am Malaysia (PIAM), the statistics on vehicle thefts are not anything soothing to the eyes – the total number of stolen vehicles has increased significantly from 8,869 cases in 1997 to 46,330 cases in 2008 i.e. up 5.2 times over 12 years whilst the quantum of claims escalated from RM135million to RM628million in 2008, up 4.6 times in the same 12-year period. The statistics are clearly illustrated below.
If we are to sum up other crime related losses, the total costs to insurers annually are nothing less than RM1 billion! Could be even RM2 billion if loss of lives is to be considered.
If the non-life segment is suffering from such enormous claims quantum, it makes real good sense for the industry members to reconsider lending some helping hand to community policing or may be Rukun Tetangga as well. What the insurance industry can do in the foreseeable:
- Adoption of one or more “Taman” or “Housing Estate” where the community is ready to volunteer towards building a successful CP group,
- The insurer can spell out their commitments (including monetary and free Health / PA insurance for members) as to how it intends to sponsor the activities of the CP,
- Assist with creating and the maintenance of a CP website or social newtworking site like facebook and friendsters, and
- Working out strategic networks among all available CP groups operating within Kuala Lumpur – improves effectiveness in crime prevention.
Leveraging the Community for Business Expansion…. if the insurers can link up their e-Commerce website or social networking sites to the CP group site within facebook, friendsters or twitter, it surely makes sense to the whole equation…. What better way? Help the community and the police to improve their capability to combat against crime, improve the environment for writing more profitable insurance business and an avenue in enlarging its distribution channels. Of course, we can look forwards to a much improved recovery of stolen items, like motor-vehicles – just like our friend, Mr. Kuan had done with the Puchong CP.
Yes! Malaysia Boleh again…… If you want this to come TRUE, you know what to do, right? Just click the Blog for FT banner – You’ll get what you wish for.