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How To Qualify For Fleet Insurance

Fleet insurance can be defined as a single insurance policy that covers two or more vehicles in your business. These vehicles can be regular cars, vans, truck or lorries.  Either all the same vehicle type or a mix.

Managing your fleet insurance is much more convenient than managing separate insurance policies for each vehicle and it can save you a lot of time, hassle, and  often money.  In addition, fleet insurance can provide many added benefits, such as 24/7 roadside assistance, cover outside of the United Kingdom and legal liability insurance. Although some benefits may not be included as standard and carry an extra charge.

The amount you pay on your fleet insurance policy will depend on various factors, including the number of vehicles in your fleet, age, type, estimated annual mileage and value of the vehicles.

So, how do you know if you qualify for fleet insurance? This article will discuss the ways in which you could qualify: let’s take a look!

The vehicles within your business must be owned by one entity.

Insurance companies offering fleet insurance policies require that all vehicles on the policy must be owned by a single entity.

This entity can either be an individual person, the business itself or it’s Directors, and you will need to provide proof of this for the policy to come into effect.

A minimum number of insured vehicles is required for a fleet insurance  policy.

Depending on the insurance company you intend to work with, you will need have a minimum number of cars or commercial vehicles in order to qualify for  their fleet insurance policy.

This can vary from insurance company to insurance company and if you do not meet the minimum requirement for your first choice, you may wish to consider approaching another company who accepts a lower number of vehicles for a fleet insurance policy.   Generally speaking you would need a minimum of 2 vehicles for a fleet insurance policy.

The vehicles must be registered in the UK.

The vast majority of fleet insurance providers specify that the insured vehicles must be registered in the United Kingdom.  This means that you must hold valid UK licensing papers for each vehicle on the  policy.

Of course, this is not usually a problem for British businesses, but if your fleet consists of vehicles from other countries (ie. from Ireland or a European country) this could pose a problem and you may need to consider re-registering them in the UK to qualify for fleet insurance.

The insurer must be kept updated to any changes to your fleet for the policy  to remain valid. In order for your fleet insurance policy to remain valid and current, if there are any changes to your fleet vehicles, you will need to inform them of this so that your policy can be modified accordingly.

How To Keep Cool When Working Outdoors In Hot Weather This Summer

As spring turns to summer and the weather starts to get warmer, the chances of getting heat waves increases. The risk of having heat-related problems also increases, so if you are working outdoors it’s important to take extra care. The main threats you face are from the excessive heat and the sun’s ultraviolet rays.

Working in hot weather can quickly lead to dehydration, heat exhaustion, as well as heat stroke. Also, prolonged exposure to the sun can cause damage to your skin, eyes, and hair. The hot weather has the potential reduce your overall performance and productivity at work, and in some extreme cases, it can also affect your equipment.

Here are few simple things a tradesman can do to stay safe and cool when working outside in hot weather this summer:

1. Stay Hydrated:

As dehydration is one of the main risks associated with working outdoors in hot weather, you need to make sure you are taking on plenty of fluids. To stay hydrated, you need to drink plenty of extra water through the day to compensate for the extra water loss from sweating.

As much as possible, water should be chilled so it can help keep your body cool as well as quench your thirst. Don’t wait until you are thirsty to drink, because it is usually too late. The most effective way is to keep taking regular water breaks.

 

2. Wear The Right Clothing:

To begin with, you can protect your skin from the effects of the sun with a good sunscreen. Take care to apply lots of it before you start working outdoors.

Having the right clothing can go also go a long way to help beat the heat and keep you protected from the sun. Try to wear clothing that is light and allows plenty of ventilation for your body. However, make sure that it also provides the required level of safety from the usual workplace hazards.

Wearing a hat with a wide brim can also offer added protection for your face and neck. If your trade allows it, it’s a good idea to wear 100% UVA and UVB sunglasses to help protect your eyes from the suns rays.

 

3. Reschedule Your Day:

If at all possible the best thing to do to avoid any heat-related problems, is to schedule your day around the sun. You can do this by doing any of your outdoor work when it is cooler in the day, like the morning and late afternoons.

Try to work indoors or shaded areas when the sun is hottest, which is usually between 11:30 am and 3 pm. If you can’t rearrange your timetable and you must work in the heat during those times, try to cover the work area to provide shade. If that is not possible either, then make sure you take lots of frequent breaks in the shade.

 

Implementing these 3 simple strategies should keep you from overheating while you work in the sunshine. Remember that failure to plan for working in hot weather can lead to a host of heat-related problems. To reduce the chances of that happening, what you need is to work out ahead of time, the specific risks you may face while working outdoors. Then put together a series of steps to address them. You also need to educate yourself and any employees about the symptoms of heat-related problems, so you can recognise them before they become more severe.

It is often said that prevention is better than cure, so go ahead and put together a plan that will keep you safe and cool when working outside during the warmer summer months.

 

 

Report shows Tradesmen Work the Longest Hours

It was a well known fact that if you were a banker you were among those who had some of the longest working hours in the country. However, a new report published by Screwfix shows that  tradesmen now actually have more hours than bankers, lawyers and doctors.

Continue reading “Report shows Tradesmen Work the Longest Hours”

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