With the private taxi sector hit hard by the pandemic, operators are beginning to lobby local authorities for above-inflation increases in maximum fares to meet rising costs.Continue reading
Traders insurance was created to protect a variety of motor trade businesses against risks associated with driving vehicles owned by the business on the road. The types of business using this kind of insurance range from second-hand or new car dealerships through to motor mechanics and breakdown companies. The insurance cover offered is known as road risks insurance and it also provides protection for interactions with the general public.Continue reading
Fleet Insurance allows you to essentially cover multiple vehicles used within your business under 1 policy. When you purchase all your insurance from 1 provider, it allows greater discounts to be applied to your policy. When you need to insure a larger fleet, your motor fleet policy will always work out cheaper than multiple individual policies.Continue reading
If you are feeling confused about what type of car trade insurance you need within the motor industry, you are not alone. Many businesses in the motor trade are unsure which policies exist and what the policies cover. To help you find the right motor trade insurance, we have put together this useful guide.Continue reading
Many people look to the motor trade industry to either make money full time or to make a little money on the side. As such, the motor trade industry is becoming ever more competitive with many myth or theory floating around.Continue reading
Demand for couriers is increasing year on year with online shopping constantly on the increase. Off the back of this, a whole market place for new courier companies has opened up offering cheap or niche delivery services.Continue reading
If you have just started up a cleaning business, you have probably heard that you need company public liability insurance. However, you may be a bit unsure regarding what this entails. Don’t fret; we are going to give you a quick overview.Continue reading
New research suggesting older drivers are more dangerous than those in their 20s has created a furore when it comes to taxi licensing laws. Data compiled by UK motor insurers suggests drivers in the 55 to 64-year-old age bracket are the worst offenders when it comes to a lack of knowledge on the Highway Code.Continue reading
Picking up a criminal conviction whilst driving is something that most of us will do at some point during our time on the roads. In 2016, 5179 drivers managed to get banned for reckless driving, an increase of 29% on 2015 where only 1173 drivers were banned.Continue reading
As a professional driver, people will often look to you after an incident to know what to do so it is important that you know how to handle such a situation with confidence. Even the most careful of drivers can have an accident, which is why you have HGV insurance. You may well be the first to arrive at an accident or may be involved in one yourself, so here we explore the steps you should take as an HGV driver when there is a collision on the road.Continue reading
If you own and operate your own mechanics business in the UK motor trade sector, you’ll be well advised to take out car mechanic insurance. This is the case whether you run your business on a full or part-time basis, and even if you’re working from your own home rather than separate business premises.Continue reading
The number of drink and drug driving conditions on UK roads has continued to fall, with the COVID-19 related lockdowns over the last 12 months believed to be responsible. With pubs, bars and restaurants closed repeatedly and many of us travelling less, it comes as no surprise that the number of people offending has dropped.
A decline in drink-related driving offences for most of the UK
According to MoneySuperMarket.com, research shows that conviction rates for drink driving offences have continued their downward trajectory. The research shows a year-on-year decline, with 0.86 drivers per 1000 in 2019 reporting offences and 0.79 per 1000 drivers in 2020 reporting offences.
However, drug-related driving offences have continued to increase, with the data showing that from 2018 until 2020, convictions for drug driving rose from 0.11 per 1000 drivers to 0.17 per 1000. The pandemic and the associated restrictions which forced many of us to stay at home are an obvious explanation for the drop in drink driving offences, however, the increase in drug driving offences is clearly an area that causes concern.
Three areas of the UK record an increase in drink driving
Despite the huge fall in traffic in 2020 and the overall decrease in drink and drug driving offences, three UK police force areas actually recorded an increase in drink and drug driving. According to This Is Money, police forces in Wiltshire, Humberside and the City of London recorded more offences in 2020 than 2019.
In fact, the Humberside Police recorded a 131 per cent increase year-on-year, with 104 drink or drug-related offences in 2020 compared to 45 in 2019. These increases are concerning given the significant drop in traffic due to lockdown restrictions, with 80 per cent lower traffic volumes reported across the country.
Will the overall downward trajectory of drink driving offences continue?
As the restrictions begin to ease, it is important to remain vigilant when driving, as it can be hard to know whether you have stepped over the legal drinking limit to drive. We are all looking forward to pubs reopening, but if you are in doubt about whether you are over the limit, do not risk it.
Drink and drug driving will put yourself and others at risk, not to mention high fines, driving bans and the increased cost of car insurance. In fact, according to I Am Road Smart, the personal financial cost of a drink driving offence could be in the region of £70,000.
This figure takes into account legal fees, fines, car insurance premiums, new transport costs and even the potential loss of salary following a conviction. These figures are based on an average salary, so in reality, the personal financial impact on you could be much higher, not to mention the danger involved to you and others.
The development of anti-drink driving technology
CarWow, the car buying comparison site, carried out research with 2000 people relating to their thoughts on reducing drink driving offences. The survey found that 38% thought that anti-drink driving technology should be installed in all cars, with a variety of systems already in development.
A great example is the Alcoclock, which is an in-car breathalyser that links to your car’s ignition. If the device reads that you are above the drink and drive limit, you will not be able to start your car. It is predicted that Tesla will be the most likely manufacturer to introduce the first drink driving technology, although Volvo is well underway with its developments.
The Volvo system uses sensors and cameras to monitor your driving ability. If the car picks up that you are not driving safely, it will take control and move you to a safe stop at the edge of the road. The technology required to monitor alcohol levels has been around for many years, however, it is reliant on consumers and lawmakers agreeing to its implementation.
What are the laws on drink driving?
The amount of alcohol it takes to be above the limit to drive after having a drink will vary between individuals, with factors such as age, weight, gender, metabolism, fatigue, and hydration all varying individual limits. This is why so many campaigns focus on never driving after a drink, as it can be so difficult to know the line.
In terms of the amount of alcohol you can have in your system, the limits vary between Scotland and the rest of the UK:
1) Breath – In a standard breathalyser test, you must have a reading of below 35 micrograms per 100 millilitres of breath or 22 micrograms per 100 millilitres of breath in Scotland.
2) Blood – In a blood test, you must have a reading of below 80 micrograms per 100 millilitres of blood or 50 micrograms per 100 millilitres of blood in Scotland.
3) Urine – In a urine test, you must have a reading of below 107 micrograms per 100 millilitres of urine or 67 micrograms per 100 millilitres of urine in Scotland.
It is a common misconception that you can only be convicted for drink driving if you are actually driving a vehicle. However, under the Road Traffic Act 1988, the law extends to those carrying car keys or even just retrieving belongings from a parked vehicle. The best advice is to leave your car keys at home and steer clear of your vehicle completely if you are drinking.
Competitive insurance for those with drink driving convictions
It is positive to see the ongoing fall in drink and drug driving offences, however, there are still many people across the country who require competitive drink drive car insurance following a conviction. We have partnered with leading UK brokers so that you can find the best quotes, whether you have a driving conviction, a criminal conviction, or points on your licence.
The cost of insurance will increase for those with convictions, however, there are companies available that offer competitive prices based on your claim’s history. Whether you have recently had a driving ban lifted or are looking for a quote following a fine, we will help you find the best policy. To find out more, please contact our team today.
The COVID-19 pandemic has led to a vast increase in demand for courier services, with large delivery companies, independent courier businesses and self-employed couriers benefiting. It is a boom time for the delivery industry, as customers switch to online shopping and food deliveries due to business closures and repeated lockdowns.
Although we are all looking forward to a return to normal life with shops, cafes, bars, and restaurants able to reopen, for many people, online ordering is a new way of life. Those who may never have ordered online in the past are experiencing the benefits, so the increased demand for delivery services is expected to continue into the future. In this article, we take a closer look at the surge in demand for deliveries and how this has impacted the courier industry.
An increase in demand for courier delivery services
Although much of the transport sector was impacted negatively by the COVID-19 pandemic due to travel restrictions, postal workers and couriers quickly experienced a surge in demand in line with the rise in online retail. Most of this demand can be attributed to the online retail giant, Amazon, which is the largest eCommerce business by far. In fact, according to BCG, in the first quarter of 2020 alone, market capitalisation for Amazon grew by 25%, with a boom in the sale of online groceries, health care products, electronics, outdoor equipment, toys, and clothing.
In addition to online retail, the demand for restaurant and takeaway deliveries has soured. In response, delivery services such as Uber Eats and Deliveroo are rapidly adding new restaurants, cafes, takeaways and fast-food establishments to their ever-expanding list of options. As the availability of options continues to grow, the demand for couriers which are able to deliver the orders will continue to rise.
Will the upsurge in demand for couriers continue?
It is clear that the delivery industry has changed as a result of the pandemic, with new solutions, approaches and exponential growth. Many companies are predicting that the upsurge will continue, with <a href=”https://www.parcelandpostaltechnologyinternational.com/features/parcel2go-looks-at-key-trends-in-the-postal-sector-post-lockdown.html”>Parcel2Go</a> explaining how they have also experienced major growth in the number of customers wanting parcels both collecting from their homes and delivering to them directly.
A growing number of people are turning to the convenience of delivery services in terms of ordering online and even sending items to friends and family. In fact, Parcel2Go claims to be experiencing growth at a rate of 10,000 new customers a week, with more than 400,000 parcels being sent through the company each week. In addition, DPD announced the creation of 6,000 new jobs throughout the UK, with more than £200 million being spent on developing delivery infrastructure. Of course, these are large delivery services, however, small-scale couriers are also clearly in demand, a trend which is set to continue into the future.
The pandemic has turned courier services into a safe and essential service for businesses and customers alike, with couriers responsible for keeping many businesses alive during lockdowns. Customers feel safe shopping online and even as shops, pubs and restaurants begin to reopen, we expect many people to remain loyal to the positive online shopping experience felt throughout the pandemic.
How are couriers staying safe during the pandemic?
Despite the increase in demand, it is important that couriers take the steps required to minimise the risk of COVID-19 transmission during deliveries. From PPE such as gloves, facemasks, and hand sanitiser through to new procedures, contactless deliveries and removing the requirement for a delivery signature, the industry has quickly adapted to the pandemic.
In addition to the health aspect, delivery companies are having to rethink their operations to cope with the change in demand. For example, Amazon has adjusted its usual service levels with longer delivery time estimates for certain product categories. They are also expanding capacity within warehouses with more staff, increased use of robotics and more delivery partners and couriers than ever before, as they continue to speed up order fulfilment in line with demand.
Although it is possible to minimise risks, there is always a possibility that an incident could occur. Now is an excellent time for couriers to make the most of the ever-soaring demand, but it is important to ensure that you have the appropriate insurance cover in place.
There are many opportunities for individuals to become self-employed couriers, however, standard vehicle insurance will not provide the cover you need for delivering parcels, boxes, packages and even letters in a commercial way. This is because the vehicle is likely to be on the road for longer and will likely be carrying valuable items. In turn, this increased value makes it more likely to be involved in an accident or theft.
Without the correct courier vehicle insurance, the provider would be unlikely to pay out if you were to claim your standard vehicle cover. This could end up costing you much more overall, and with competitively priced courier insurance available, there is no need to compromise.
Comprehensive insurance for the courier industry
Whether you are looking to make extra cash as a self-employed courier or running a large delivery business that is hiring multiple new drivers, it is essential to consider your insurance cover.
Choosing the most appropriate cover for your delivery service can be difficult, as there are many options available. However, the most popular types of insurance include courier vehicle insurance, public liability insurance, goods in transit insurance, employer’s liability insurance and fleet cover. If you are looking for the highest level of cover, it is advisable to combine multiple policies into one comprehensive insurance package.
As specialist insurers for the courier industry, we can help you find the best possible price, for the highest level of cover. Whether you have previous driving convictions or operate in a high-risk area, we will do our best to find a competitive insurance solution so that you can make the most of the demand for courier services. To find out more or to arrange a courier insurance quote, please contact our team today.
Working alongside Highways England, police in Staffordshire have begun using an HGV cab on the region’s roads to detect driving offences. The new initiative is part of a national campaign entitled Operation Tramline.Continue reading
VisionTrack a leading video telematics tech supplier, and Geotab, an international firm specialising in connected transport, have joined forces to launch a solution to assist Heavy Goods Vehicle (HGV) Fleets.Continue reading
Newly proposed licence conditions could see taxi and private hire operators around the Shropshire town of Telford legally bound to submit in-car CCTV footage to the authorities on request.Continue reading
The question of requirement of a Operators licence to drive a HGV is commonly asked and often misunderstood. In short though, the answer is Yes, you will need one subject to a few exceptions.
Estimated reading time: 2 minutesContinue reading
If you are looking to make a little side income through starting a part time motor trade based business, or maybe you want to become a full time trader but start part time, here are a few tips to help get started.Continue reading
Motor Trade Insurance is a vital component to any business within the motor trade industry. It is a policy required by traders, by law, if they wish to operate in the industry for profit.Continue reading
Drivers who have been caught drink driving will be required to complete a Carbohydrate Deficient Transferrin examination, also known as a CDT. The blood sample you provide will be passed to an independent lab who will then pass the results to the DVLA.Continue reading
You’ve made a mistake and you’re trying to move on with your life. Then it comes to obtaining car insurance and you find it’s a struggle as you’re a convicted driver. It can be a difficult situation but one that can be made easier by taking the right steps.Continue reading
When applying for insurance, it can be very tempting to go for the cheapest possible option and remove all additional optional cover. This however can be quite risky in the event you have to make a claim.Continue reading
Whether you’re driving a private hire taxi working out of a rank or a licensed hackney carriage picking up fares in the street, you might find that your cover costs more than other kinds of motor insurance. In the following passages, we’ll explore the factors that impact taxi insurance so you can understand the premiums you might be asked to pay.Continue reading
The recent ruling by the Supreme Court on claims for business interruption losses resulting from the Coronavirus Covid-19 pandemic shows that having the correct business insurance cover in place can make the difference between a business surviving a crisis or going under.Continue reading
Japanese automaker Nissan has announced its plans for a fleet of small vans, for Europe. The vehicle class, used by couriers across the world will be produced with support from the Renault-Nissan-Mitsubishi Alliance, and made in the strategic partnership’s small van centre of excellence in Maubeuge, France.Continue reading
A survey issued by Transport for London (TfL) is now asking Londoners to respond with their views on new security measures for cabs in use around the city. As part of a public consultation, members of the public have until March 22, 2021 to complete the survey and share their views.Continue reading
Landlord insurance is essential for anyone who is planning to rent out a property. Even if your tenants are respectful of the property, accidents happen and damage could easily be done.Continue reading
UK tyre services company ATS Euromaster has warned that advanced planning is essential to ensure fleets enjoy optimum uptime following the end of lockdown. The tyre specialists have cited multiple risks for fleet operators of not putting plans in place, from invalidated insurance to failed inspections.Continue reading
Getting fully comprehensive insurance for your fleet can be a costly expense. Whether it is HGV insurance, courier insurance or taxi insurance, you have to keep the costs at a realistic and manageable level. Here we will look at how that can be achieved.Continue reading
Negotiating the insurance premiums for fleet vehicles can be a costly process. There are however several things you can do to help bring those premiums down for your multi vehicle fleet policies. These tips will apply to all sorts of fleet vehicles, from company fleets through to large courier courier fleets.Continue reading
If you are a van courier, your vehicle is likely to be one of your biggest and most essential purchases. It is important to remember though that the cost of your van does not end at the purchase.Continue reading
With online shopping at an ever increasing high, the demand for couriers is also seeing record levels. Becoming a self-employed courier driver is extremely appealing and in 2013 accounted for 5 – 8% of the logistics sector delivering a billion parcels in 2012!Continue reading
The courier industry is booming with more and more people seeking both full time and part time work. There is still much confusion though when it comes to purchasing the right insurance due to things such as whether a full liability policy is required that includes the vehicle or if policy that only covers the goods carried it required.Continue reading
Whether you drive a van or car, in your role as a professional courier, acquiring the best insurance possible is crucial. Your livelihood depends on your transport, so being covered in the event of an accident is essential but this doesn’t mean it can’t be more affordable. In the following sections, we’ll discuss four ways couriers can lower their premiums.Continue reading
The decision to become a courier can be one of the most lucrative decisions you make. Offering complete flexibility in your work hours and freedom to do what you want, being a self-employed courier has many perks.Continue reading
Drivers in Northern Powergrid’s fleet have responded with enthusiasm to the company’s newly deployed Advanced Driver Training initiative, with over 190 drivers of fleet and grey fleet vehicles joining the course in 2020.Continue reading
Ride-hailing or ride-sourcing is rapidly replacing taxis as a preferred form of transport. Big names like Uber and Lyft have brought this form of point-to-point travel into the spotlight. There has been quite a bit of media attention about passengers’ safety aspects, and it hasn’t all been positive.Continue reading
If you have your own car, enjoy driving and you’re looking to make some money, becoming a courier is a simple and popular option that allows you flexibility and autonomy. However, when you’re considering this role, don’t assume that you can use your own vehicle as is – meaning with your current car insurance policy. In fact, having standard car insurance while making deliveries could invalidate your policy altogether.Continue reading
It’s essential for every driver to have motor vehicle insurance. However, some people believe this isn’t an option for them due to mistakes in their past. Thankfully, that’s not always the case.Continue reading
It’s always a good idea to look forward and find ways to make your taxi business ready for the future. Taxi drivers who can adapt to new business circumstances and put contingency plans in place for the future are much more likely to succeed and grow. From using new technology to setting up cleaning protocols, here are five ways you can future-proof your taxi business.Continue reading
After being convicted of drink driving, drivers will receive a ban. Once this ban is over, most people will want to get behind the wheel again. That means they will need to be insured.Continue reading
If you are buying HGV insurance, there are a few things that are really important to remember. HGV insurance has some similarities to car insurance and some differences too. Let’s take a look.Continue reading
If you’re a landlord already or you’re considering getting into the business, you probably share your main motivation with most others in this field – to make a profit from your property!Continue reading
Speeding convictions are one of those this that at some point, the vast majority of road users get caught for. But what affect does a speeding conviction really have on your driving licence?Continue reading
When you come to getting insurance for your vehicle, there are a lot of questions that you usually have to answer. It’s hard to determine which of these are important and which others are not. You know that age, no claims bonus and your vehicle type are important but what about other factors? Here we take a look at surprising aspects which can increase your premiums.Continue reading
The decision to start a new job as a private taxi driver can be an exciting time but it’s easy to rush into any new job without thinking of the consequences first. Due to this, there are many mistakes that people can make which should be avoided. Here we look at how to prevent yourself from getting off to a bad start.Continue reading
There is no denying that being a landlord is a learning experience. However, there are some mistakes that you simply cannot afford to make because they could come back to haunt you. With that being said, read on to discover the common landlord mistakes you need to avoid.Continue reading
With so many insurance specialisms available today, it can be difficult to know what to expect as standard and what the useful optional extras are. Landlord insurance is a case in point, where the insurance type seems obvious enough, but there are many different levels and layers of cover to protect buildings and the humans who live in them.Continue reading
We have all been there, do we get those brake pads or go out for the day or skip the car service this year. Well, this approach could cost you more should your car fail at its annual MOT.Continue reading
After receiving a driving ban in relation to a drink driving (or drug driving) offence, you may find that finding an insurance broker becomes extremely difficult and the online aggregators won’t offer you any policies OR they are extremely expensive.Continue reading
Many landlords come to a point where they intend to sell a property they own and rent to a tenant. The long existing process of issuing notice to a tenant before sale often leaving months where the property is vacant need not be!Continue reading
With Christmas now fast approaching, online shopping and the demand for couriers to deliver goods reaches an all-time high with an additional increase year on year. Long gone has the time of shopping the high streets for gifts, Amazon and eBay are the new high-street.Continue reading
Dash cams of forward facing cameras in vans are not a new thing now, they have been in operation quite some time in fact. However, a range of 3G connected cameras are offering even more than their not connected counterpart.Continue reading
If you run any kind of SME within the UK, then there are lots of things to think about. From dealing with your customers to keeping your accounts up to date, you will have lots of different business tasks to do. One key task that should not be forgotten about when running a business is taking out the proper insurance.Continue reading
Many drivers could be paying double for their car insurance because of one common mistake. Here’s the little tip you need to be aware of when renewing your car insurance premium to avoid paying more than you need to.Continue reading
As a landlord, it is inevitable that there will eventually be a period when your property will lie empty. Leaving a property unoccupied for any length of time is a risk, but it is possible to protect yourself with an unoccupied property insurance policy. We have comprised a quick guide to help you understand the details of an unoccupied property insurance policy.Continue reading
Professional indemnity insurance, also commonly known as PI insurance, is a specific type of insurance that covers you and your business from legal costs. As well as covering these costs, it also may cover any expenses incurred during your defence, and damages that are awarded against you.Continue reading
When you’ve got a great idea, and a chance to get your business off the ground, insurance can be the last thing you think about. However, business insurance should be top of your list; without it, you could lose your business, risk being sued privately and actually be breaking the law.Continue reading
If you have had your car seized under a S165A Traffic Act where an officer had reasonable grounds to suspect the car was uninsured or not being driven in accordance with your driving licence, then there are a few steps you need to take to gain it back.Continue reading
Everyone who drives on the road needs insurance, but it’s even more vital for taxi drivers get the right policy. There are many mistakes that can be made, so it’s important not to fall into any of the traps.Continue reading
One major expense for HGV fleet operators is the cost of insurance. The bare minimum insurance cover you must have in place for an HGV is third-party insurance. Third-party cover ensures that anyone who is injured or whose property is damaged as a result of the way in which your HGV is driven will be compensated for any losses they have suffered.Continue reading
Since the beginning of 2017, the market has seen a decline in the number of new diesel registrations by nearly 25%, according to statistics from the Society of Motor Manufacturers and Traders. Performance-wise, new diesel cars in 2017 emitted around 12% less carbon dioxide into the atmosphere than equivalent models. This, experts say, suggests that the decline in buying diesel vehicles has resulted from a ‘demonisation’ of diesel.Continue reading
Trials for self-driving cars and HGVs have started in the UK, but they have not been without controversy. With multiple fatalities having occurred with self-driving cars in the U.S. it is clear that we are still some way off a complete overhaul. Looking forward, however, it is important to consider how self-driving HGVs could impact on the haulier and supply industries. Here we question whether self-driving HGVs will lead to job losses.Continue reading
It is vital that you check your HGV trailer every day. This is not only to ensure the safety and security of your vehicle, but it is also a requirement of UK law, as in accordance with the DVSA, and with your Lorry insurance policy. One major part of ensuring that your HGV is safe on the road is by carrying out a daily ‘walk around check’ to inspect both the cab and trailer.Continue reading
If you drive a taxi for a living then you naturally need to have insurance in place to legally do so. For many taxi drivers this can be a costly necessity as cheap private hire taxi insurance costs can often be quite high. If you are wanting to drive down your annual insurance quote and find ways to insure your cab for less, these tips should help.Continue reading
Potholes on our UK roads are not only a nuisance for HGV drivers, they are also costly. It is estimated that, for every mile of road in the UK, there is one pothole, which is a total of over 200,000 potholes on our roads. This is a problem that will only get worse, due to the harsh winter conditions we’ve been having in recent years.Continue reading
Uber has swept the nation since 2011 when the company’s international expansion phase began. Since then we have seen the Uber driver cause numerous problems for the traditional taxi driver, especially in the capital city of London, where the telegraph reported that a one mile journey in an Uber can be “almost one and a half times cheaper than taking a black cab”.Continue reading