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Everything you need to know about traders insurance

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.

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How HGV drivers should deal with a collision

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.

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COVID-19 lockdowns lead to drop in drink and drug driving convictions

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.

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 courier industry surges amid the COVID-19 pandemic

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.

Why can cover for taxi drivers cost more?

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.

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Car insurance is not courier insurance: why this matters!

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.

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Five ways to future-proof your taxi business

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.

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Surprising factors that affect your premium

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.

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Common landlord mistakes to avoid

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.

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Arranging suitable and competitive landlord insurance

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.

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A quick guide to unoccupied property insurance for landlords

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.

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Tips on saving money on HGV insurance

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.

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The demonisation of diesel

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.

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Will self-driving HGVs lead to job losses?

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.

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Why it’s important to check your Lorry trailer every day

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.

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Potholes and damage to your HGV

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.

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Self-Driving Haulage Trucks

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”.

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