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Dentre os variados riscos de uma operação de transporte de carga, o tipo de motorista utilizado tem extrema importância. São 3 os tipos de vínculo entre transportadores e motoristas: 1 – motorista próprio; 2 – agregado; e 3 – avulso. E cada um deles reserva uma particularidade.
Além da checagem de perfil e de antecedentes dos motoristas, existe uma classificação para elaboração do Plano de Gerenciamento de Risco (PGR), de acordo com a exigência da apólice de RCF-DC (roubo) e que leva em conta diversas estatísticas.
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Importante: o cadastro e a aprovação de cada profissional antes do início da viagem é uma regra que impacta na regulação de um possível sinistro de roubo de carga. O ecossistema de parceiros da Shamah Seguros de Transportes conta com empresas especialistas na prestação desse serviço.
Abaixo explicamos um pouco sobre cada um dos tipos de motoristas e suas particularidades dentro das características do seguro de transporte.
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Motorista Próprio: são aqueles contratados e registrados em regime CLT pela empresa. Por terem uma relação regular e totalmente formalizada com a transportadora, acabam recebendo melhores avaliações nas análises de risco das companhias seguradoras detentoras das apólices. Sua liberação na gerenciadora de risco tem validade de 12 meses e pode ser renovada a cada ano.
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Motorista Agregado: são profissionais autônomos de carga (TAC – Transportador Autônomo de Carga), com recorrência no transporte para determinada operação. Para serem considerados agregados, devem possuir junto à transportadora, no mínimo, 12 viagens no período mínimo de um ano OU ter um contrato de prestação exclusiva de serviço, conforme modelo que, aos interessados, pode ser solicitado à Shamah Seguros de Transportes.
Por contar com uma relação recorrente, o Motorista Agregado recebe boa avaliação nas análises de risco das companhias de seguros. Sua liberação tem validade de 6 meses, período esse que quando encerrado, orienta a renovação do cadastro.
Os motoristas agregados são bastante comuns em operações de coleta e distribuição diária de cargas, mas não se restringem apenas à elas, podendo também ser bastante comuns em viagens de transferência de cargas.
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Motorista Avulso: são profissionais autônomos contratados para viagens pontuais (spots), sem contrato de formalização ou frequências mínimas para serem considerados agregados. Sua liberação deve ser realizada a cada embarque.
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Por não haver uma relação formalizada ou recorrente, dentre os três tipos de motoristas é o que recebe menor avaliação na análise para o Plano de Gestão de Risco.
Os maiores índices de desaparecimento de cargas são notadamente percebidos em motoristas avulsos, que naturalmente são desconhecidos da operação e, neste sentido, representam riscos mais elevados.
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Nesse cenário, plataformas eletrônicas tais como sites e aplicativos de contratação de motoristas avulsos, são, muitas vezes, exploradas por bandidos oportunistas disfarçados de motoristas, que desviam a carga e posteriormente apresentam boletins de ocorrência, onde são configurados como vítimas.
Cadastros mais criteriosos com consulta de vitimologia ajudam a mitigar os eventos de roubo de carga, quando aplicados à inteligência da operação.
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Para mais informações de como tornar sua operação cada vez mais segura, fale com um de nossos especialistas em Seguros de Transportes.
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Rua Candapui, 427 – Vila Marieta
São Paulo – SP – CEP: 03621-000
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