If you work as a courier, whether you work for a company or freelance, you’ll want to take every step you can to save money. This means getting fuel at the best price you can as well as taking any measures possible to save on insurance.
Courier insurance needs to protect you for the risks you face on the road, such as collisions, theft and fire. In addition to this you also need to think about the packages you’re transporting and protecting yourself from potential liability claims.
Before looking at the best ways you can save money on courier insurance, let’s look at the cover options available and the factors that impact on cost.
Types of courier insurance
- Third party – Third party insurance is the minimum level of cover you need to be able to drive legally. It will cover other road users in the event that you are at fault for a collision. You can also add fire and theft to a third party policy for extra protection.
- Comprehensive – A comprehensive policy will cover you for all types of collisions, even ones that you are liable for. It’s usually recommended when you can afford it.
- Public liability – Public liability will protect you against liability claims from members of the public, should you injure or kill somewhere due to negligence.
- Goods in transit – Goods in transit will protect the packages you’re carrying in your vehicle for theft and damage.
- Breakdown assistance – Breakdown assistance is a must when you rely on your vehicle to make a living. If you already have it then it’s still worth finding out how much it would cost to have it included in your policy since you might be able to save money.
Factors that affect cost
- Your age – Your age will certainly affect the price of your insurance. Drivers under the age of 25 are statistically more likely to be involved in a collision so if you’re in this age bracket then you can expect to pay more for a policy.
- Your experience – Your driving experience will also impact the cost of courier insurance. The more experience you have on the roads, the less you can expect to pay.
- Your vehicle – The value of your vehicle also has a big impact on cost. This is why it’s better to seek out a moderately priced vehicle if possible.
Best ways to save money
Below are some of the best ways to save money on courier insurance –
- Make your vehicle secure – You should always make the effort to secure your vehicle by installing security devices such an alarm and tracking device. Taking these measures will help to lower the cost of your insurance significantly.
- Pay annually – If you can afford to pay for your policy annually then you’ll be able to negotiate a lower rate with your insurance provider.
- Get a lot of quotes – Getting quotes from different insurance providers makes it easy to pick out the policy that offers the best value for money.
It’s no secret that the cost of motor insurance is rising all the time. A huge contributing factor to this is the large number of insurance scams that take place on the roads each and every year. Usually known as “crash for cash” schemes – these types of scams are designed to make quick and easy money at the expense of another party’s insurance provider.
The way insurance providers respond to these scams is by raising the price of insurance. As unfair as this is, it’s the only way that insurers can respond to an ever-growing problem.
These types of insurance scams not only affective individuals but also countless businesses that rely on the use of vehicles. Fraudsters usually aren’t picky with which type of vehicles they target so the raising insurance rates are causing a big problem across the board.
Something that’s not always discussed however, is that often insurance scams are carried out by employees within the company. This is particularly troublesome for business owners and many are now taking steps in order to combat this problem.
Ways around the problem
Below are some ways that business owners are tackling the problem of rising insurance rates due to crash for cash schemes.
- Fleet insurance – Getting a fleet policy doesn’t directly tackle the problem of insurance scams but it does provide a way for businesses with multiple vehicles to save money on insurance. Fleet policies are typically cheaper than insuring separately so it’s definitely worth looking into.
- Background checks – A lot of companies are now carrying out extensive background checks on anyone who applies to work with them. This includes their insurance history and previous claims. This is one of the better ways to weed out any potential fraudsters.
- Dash cams – There are also a growing number of businesses installing dash cams in their vehicles. Dash cams provide invaluable video evidence that can often prove who is at fault for a collision. An increasing number of insurance providers are now accepting dash cam footage in order to settle claims.
Getting fleet insurance at a competitive rate
If you do decide to get a fleet insurance policy for your business, then you’ll want to take any steps possible to keep the cost to a minimum. Below are some excellent ways to do this.
- Make your company vehicles secure – Making your vehicles secure will go a long way to reducing the amount you’ll pay for a company fleet insurance policy. Installing alarms, immobilisers and tracking devices is always recommended.
- Hire experienced drivers – One of the biggest factors that insurance providers take into account when calculating the cost of a policy is the age and driving history of any named drivers. For this reason, you want to make sure that any drivers you hire are experienced and have a clean licence.
- Shop around – You should make sure that you get quotes from more than one insurance provider so you can compare them and pick the one that offers the best value for money.
When you need to order a taxi, whether it’s to get to the airport, or to get home after an evening out – you no longer need to stand on the street corner or even call the taxi firm.
There are now several apps on the market that make ordering a taxi extremely quick and convenient. While the market is still relatively young, there are already some fantastic taxi apps available to try out. Below are five of the best.
Uber is easily the most well-known and widely available taxi app on the market and is available in some 48 countries. It’s incredibly easy to use – you simply book a taxi through the app when you need one. There’s no pre-booking option but this isn’t what Uber advertises itself as.
Another thing that makes Uber extremely convenient is that it lets you know what the journey will cost beforehand and you simply through the app – meaning you don’t have to worry about having the right amount of cash to pay the driver.
Also if you happen to leave something in the taxi then you can also message the driver to let them know.
Gett is an app for booking black cabs that’s available in 32 cities across the world. It allows you to request a taxi and then track where it is in real time. Like Uber – Gett enables you to pay for your journey through the app itself.
Gett only works with TfL regulated black cabs and meets up with every driver that signs up for their service to provide training to ensure passenger safety.
You can get credit to use with the service by recommending it to friends. You get £10 credit for every friend recommended who uses the service. It’s currently available in several major UK cities including London, Manchester, Liverpool, Leeds, Birmingham, Edinburgh and Glasgow.
Hailo is another excellent option for booking taxis. It works in a very similar way to Uber in that you simply select a pickup location and driver and then the taxi is sent to you immediately.
There is the ability to track the route of your taxi when it’s on the way but you’ll be informed when it arrives by the app anyhow.
Hailo is available in selected cities in the UK and nationwide in Ireland and Singapore. It’s also available in Spain’s two busiest cities – Madrid and Barcelona.
CabWise is somewhat different to the apps above in that it doesn’t allow to book taxis through the app. Instead it simply lets you know of the nearest licensed minicab office.
This might sound like quite a basic thing but it’s actually an extremely useful way to ensure that the minicab that you’re getting in is from a licensed office and the driver is licensed and insured.
Kabbee provides a very similar similar to CabWise except it comes with the bonus of sorting the local minicab offices based on criteria such as fare rates, ratings, types of vehicles and punctuality. This makes it an excellent way to save money and pick the right service when you’re in an area you’re not familiar with.
Kabbee is currently only available in London.
If you considering working as a driver you will need to ensure that the correct public hire or private hire insurance is taken out. When carrying passenger for reward, normal car insurance isnt suitable (thank you to multiquotetaxiinsurance.co.uk for info).
If you enjoy working with cars then you might be considering setting up your own business in the motor trade. The great thing about working in the motor trade is that there are a lot of different paths to choose. Some common businesses in the motor trade include –
- Car showrooms
- Car auctions
- Valeting services
- MOT centres
- Auto electricians
- Delivery agents
- Accessory fitters
- Vehicle importers
These are just some of the businesses you could set up in the motor trade. In order to help you get started, below are some of the most important things to consider when setting up a new business.
Thinking about the type of premises you’ll need is extremely important. Some businesses will require much larger premises than others. For example, a car auction will typically need a very large plot of land, while you could set up a car showroom on much more modest premises.
When thinking about the premises, it’s not just size you need to consider though. Location is also extremely important. The location of your premises could have a big impact on how well your business performs. For businesses that rely on a good amount of foot traffic, such as showrooms and valeting services, you’ll want to find a place that has good visibility.
Another key decision to make where premises are concerned is whether you’re going to rent or buy. For most new starters in the motor trade, it’s much better to rent until you’re fully confident that you’re happy with the premises.
Staff is another key consideration when setting up a new business in the motor trade. Different types of businesses require different skills. Ideally you’ll be starting a business that you have personal experience in so you can easily identify and hire the right people.
Motor trade insurance
The minimum requirements for getting a motor trade insurance policy are as follows –
- You must hold a full UK driver’s licence
- You must be at least 21 years of age
- You must be able to prove that you work in the motor trade
Types of cover you can get include –
- Third party – A third party policy will provide enough protection so you and your staff can drive customer vehicles legally. It’s important to note that your vehicles wouldn’t be covered unless a third party was to blame for
- Third party, fire & theft – If want to add extra protection to a third party policy then this is a good option. If any of your vehicles are stolen or damaged by fire then you’d be compensated.
- Comprehensive – Comprehensive insurance will provide the best level of protection and will cover customer vehicles for all types of collisions, even when you or your staff are liable for them.
Combined policy – A combined policy is an excellent choice when you work in the motor trade. It will not only provide full protection for customer and company vehicles but also cover your premises for theft and vandalism. Stock, tools and cash can
Shop around for your motor trade insurance (traders-insurance.com is a good place to start and they can provide quotes for full time and part time motor traders)
As Richard Payne Gill Deputy Chair of the ADLV notes, “The growth in volume is highly encouraging as it reflects that electronic checking, through a fully managed service from a professional third party, has now become a ‘best practice’ with full reporting and audit trails included. It is also a sign that the frequency of checking has increased too as fleet managers seek to both boost compliance certainty and reduce the risk from misuse and fraud. We are seeing quarterly checks becoming the norm.
Recent Freedom of Information figures seen by the ADLV (Association for Driving Licence Verification) www.adlv.co.uk, show a significant rise in the volume and frequency of online driving licence data checking by UK Fleets. The 2016 DVLA statistics show that there was a 30.4% increase in checks by online intermediaries compared to the same period last year. The ADLV expects this growth to continue throughout 2016 and well into 2017, with the total number of checks rising from the current level of 2.35 million to a projected 3 million by March 2017. The ADLV accredits the rise to more frequent online checking of data, coupled with a broader use of other related datasets to promote ‘know your driver’ risk reduction strategies.
“There has also been a rise in the breadth of data now that is now being combined with licence information, and we are also confident that other datasets are likely to become available too including Tacho and CPC data for the UK Haulier sector. The integration of all this data will see a transformation on the overall professionalism of the sector with the ultimate benefits including major efficiency gains for Fleet operators and a marked boost for road safety.”
The current list of ADLV members that fleet managers can contact should they require online driver entitlement checks is as follows: Admin Business Solutions, Descartes Systems UK Ltd., Drivercheck Ltd., Driving Monitor, Fleet Claims Administration Ltd., GB Group plc, Intelligent Data Systems (UK) Ltd., Interactive Driving Systems Ltd., Jaama Ltd., Licence Bureau Ltd., Licence Check Ltd., Pinewood.
Leading international manufacturer of components and systems for optical and electrical connectivity, HUBER+SUHNER, is sponsoring two teams at this year’s Institute of Mechanical Engineers (IME) Formula Student event at Britain’s iconic Silverstone circuit.
Formula Student is Europe’s most established educational motorsport competition, run by the Institution of Mechanical Engineers and backed by industry and high profile engineers, such as Ross Brawn OBE. The competition aims to inspire and develop enterprising and innovative young engineers. Universities from across the globe are challenged to design and build a single-seat racing car in order to compete in static and dynamic events, which demonstrate their understanding and test the performance of the vehicle.
HUBER+SUHNER headquarters is sponsoring the AMZ Racing team based in the Federal Institute of Technology Zurich (ETH Zurich) and also providing cabling for their build. HUBER+SUHNER India has given its backing to the Indian Institute of Technology Bombay Racing team, also supplying cables.
“The Formula Student event is a fantastic initiative that champions the great work Engineering students are doing across the world,” said Frank Rothe, who heads the Automotive Market Unit at HUBER+SUHNER. “We’re delighted to have helped two of the teams here today showcase their talents on an iconic stage like Silverstone.”
Each participating team is tasked to produce a prototype for a single-seat race car for autocross or sprint racing, and present it to a hypothetical manufacturing firm. The car must be low in cost, easy to maintain, and reliable, with high performance in terms of its acceleration, braking, and handling qualities. During the competition each team must demonstrate the logic behind their proposal and must be able to demonstrate that it can support a viable business model for both parties.
“This event is massively valued within the industry, and we are excited to see what the 2016 batch of young engineers has to offer,” concluded Rothe.
The Formula Student event runs from 14-17 July, 2016, at Silverstone Circuit, Northamptonshire. Tickets are available from http://formulastudent.imeche.org.
To arrange a briefing or product demonstration, please reply to this email or contact the HUBER+SUHNER Team on the details below
A survey of over 100 senior UK haulage fleet managers, conducted by the Association for Driving Licence Verification (www.ADLV.co.uk), has shown that 91% of respondents want CPC & Tacho data to be available alongside online driving licence checks. They also believe that its inclusion would eliminate the industry’s current but imprecise reliance on visual data checking. A further 90% felt that the availability of CPC and Tacho information would make their own monitoring of driver entitlement easier, by supporting existing HR systems and acting as a single point of reference.
The ADLV believes that the data, which is currently held by the DVSA and DVLA, could be easily made available alongside existing online driving licence data feeds. Should the data become available, the Association believes it would reduce employer risk, ensure a better-trained workforce and also improve road safety.
The survey also questioned whether not knowing the training status of drivers presented the respondents with a significant administrative challenge? In all, 75% of those surveyed felt that this was indeed a challenging issue and that automating training status data would help reduce the burden considerably. In all 80% of respondents agreed with the ADLV that access to the information would also benefit road safety, help them to remind drivers about compliance issues and to raise awareness of employee fraud risks.
Commenting on the survey, Kevin Curtis the ADLV’s Technical Director added, “This survey was conducted by our member companies over the last few months and reflects the views of 100 senior UK Haulage managers – many of whom come from fleets of over 100 vehicles. Quite simply, it highlights a significant demand for change. This data needs to be available, whether it’s used to improve compliance, training, licence administration or more broadly to increase road safety. We have forwarded the respondents’ views to the DVLA and are optimistic that they will look sympathetically upon our call to action.”
Note To Editors: About the ADLV (www.adlv.co.uk)
The Association for Driving License Verification has been established to promote and encourage best practice within the industry for the initial and continued validation of driver entitlement for responsible employers and road safety.
The ADLV will both represent and regulate Members organisations in accordance with its rigorous Code of Conduct.
For further information please contact:
The Right Image PR & Marketing Group
New family service helps parents get kids to schools and activities
London parents struggling with ferrying their kids to school and other activities now have a new option – a family ride-and-care service, which provides safe transportation for children with drivers who are experts in childcare, dubbed ‘Guardians’.
OneLane soft-launched in London in March 2016, serving zones 1-3. Used by a few dozen families during this beta-testing period, high customer retention and repeat rates confirm that OneLane addresses major pain points for parents – helping to replace stressful scenarios with quality family time.
OneLane now plans for further expansion throughout the capital, with carpooling and wraparound childcare features launching soon.
Reducing stress & time pressure
OneLane means no more nerve-wracking school runs, battling through congested streets, fighting over inadequate parking spaces; And, for working parents, it allows freedom from the guilt of not being able to be in two places at one time. Children can lead active social lives, while parents gain extra time to fulfil work commitments.
Anne, mum to Michelle, aged 11, says, “OneLane has been a life-saver for me. I no longer have to leave work earlier to pick Michelle up, or have to pay for expensive nannies with a minimum number of hours. With OneLane, I am paying only for the drive time. Also, how cool that I get real-time updates on the ride and can rest assured that Michelle has been picked up and is on her way to ballet class.”
Finding a family’s perfect match
Parents can enjoy peace of mind about their children’s safety when they use OneLane’s family service. Each ‘Guardian’ is experienced in childcare and thoroughly vetted, with enhanced DBS checks as standard.
Because OneLane wants to build trusted, long term relationships between families and ‘Guardians’, it offers a match-making service, whereby the ‘Guardian’ is pre-introduced and the same person is used for all regular journeys. This familiar face becomes a valuable member of the family’s support network.
Through the OneLane app, parents can select to ride-along with their children for any of their scheduled journeys. However, if they are not present, they can take advantage of continuous ride progress updates and notifications when their child has reached their destination. For added safety, OneLane ‘Guardians’ chaperone children inside the venue they are attending and sign them in to activities.
Meet the Guardians
OneLane ‘Guardians’ are parents, nannies, childminders and teachers, selected because of their proficiency in caring for children. In addition to being great with kids, they are impeccable drivers too. Their driving behaviour on every journey is monitored by the OneLane team to ensure that high standards are maintained.
Coming soon – wraparound childcare
Parents who need additional childcare before or after scheduled journeys will soon be able to book it through the OneLane app. From July 2016, wraparound childcare will be available. For those who have already developed a strong bond with a OneLane ‘Guardian’, this will be a valuable extension of the service, freeing up more time for parents for work or other commitments.
Carpooling – the cure for school-run congestion
From September 2016, OneLane customers will be able to opt to carpool with other families via the OneLane app. This benefits the customer financially, reducing the cost from the current £9 flat fare for journeys under 20mins to an average of £7 or less per journey per child. It also helps to tackle the increasing problem of school run traffic congestion, which has repercussions on road safety and air pollution.
The OneLane team
OneLane was founded by CEO Camron Moradi, an experienced Internet and automotive industry professional who was part of the team that built Just Eat in the UK, taking the company public.
Head of Business Development, Jina Kwon, who joined from Groupon, is a London-based mother of one and is passionate about addressing key family issues through OneLane.
She says; “Our service reduces parental stress, which has the knock-on effect of improving family relationships and enhancing family quality time.”
Jina is also keen to drive benefits for society as a whole. She adds, “Our carpooling feature will help to reduce the number of cars on the roads. Less congestion means improved road safety and less air pollution. It is our ambition that the OneLane car fleet should be zero or low emission by 2018.”
Key players in the team include Head of Operations Richard Riley. His invaluable experience in sustainable mobility solutions, car club services and technology platforms provides a wealth of insights that will help develop OneLane’s family service in the future, so that it can continue to serve families and communities to the best of its ability. He is also a father and has first-hand experience of the family problems OneLane solves.
Facts & stats
- It is estimated that mothers spend two weeks every year driving children around
- Child-related journeys are thought to result in an annual petrol bill of £1,714.04
- The school run adds 1 million vehicles to UK roads at peak times
- In the 5-10yrs age group: 46% walk to school, 46% travel by car, 5% by bus
- In the 11-16yrs age group: 38% walk to school, 23% travel by car, 29% by bus
- The average primary school trip takes 13 minutes; distance is 1.6 miles
- Average secondary school trip: takes 25 mins, distance is 3.4 miles
- Children spend 26hrs a year being driven to school compared to 18hrs 20yrs ago
 90% of parents who have tried the service to date have re-booked several times.
 Source: National Travel Survey 2014
 Source: Sustrans – a leading UK charity enabling people to travel by foot, bike or public transport for more of the journeys we make every day
OneLane is breaking new ground in the UK, bringing an innovative, entrepreneurial idea to Britain, based on a model that is emerging in the U.S. where child-focused family services have been growing in areas such as California for the last two years.
OneLane is a family service that assists parents with getting children to school and other activities. It answers a real need and solves a persistent problem for parents – how to be in two places at once, fulfilling work commitments, yet also enabling children to get to and from school safely and lead active, rewarding social lives.
OneLane provides a means for parents to outsource an element of parenting that has become difficult and, in some cases, impossible to achieve. Supported by an easy-to-use app, parents are given constant reassuring updates – and can have total peace of mind during every mile of their children’s journeys.
OneLane’s drivers are called ‘Guardians’, reflecting the nature of their work as both a child-carer and driver. To earn parental trust, OneLane is committed to safety, reliability and the provision of stringently vetted Guardians. Enhanced DBS checks are the cornerstone of OneLane’s intensive screening process.
OneLane plans to roll out its family service throughout the capital, adding carpooling and wraparound care at either end of kids’ journeys. OneLane already has a core of loyal customers who appreciate the stress-relieving, time-saving benefits of this service – and the effect it has of enhancing the quality of their family time.
OneLane’s problem-solving approach extends beyond the family circle to society at large. Its carpooling service helps to solve the issue of congested roads and, as a result, has a positive effect on road safety and car emissions.
Leading automobile manufacturer optimises campaigns and maximises ROI using marketing analytics from MarketShare
London, 18 April, 2016 – MarketShare, a Neustar Solution and global leader in advanced marketing analytics software, today announced it has been selected by Audi UK to better understand its customers’ journeys and optimise its marketing spend. Using the industry’s only holistic planning and attribution solution, MarketShare DecisionCloud, Audi will be able to fully understand the true value of each marketing activity as well as customer interaction, and predict the effectiveness of future marketing investments.
Like many marketers eager to make more data-driven decisions, Audi wanted to focus on improving returns of its marketing and promotional activities through next-generation planning and attribution analytics. Following a competitive procurement process, Audi chose MarketShare for its best of breed technology, service and ability to scale.
“We chose MarketShare for its excellent reputation in the industry and we have seen a positive culture change in the company since we established our partnership. Now more than ever, it is important to see marketing as a profit generator – not a cost – on the income statement and MarketShare has helped us to highlight this,” said Nick Ratcliffe, Head of Marketing, Audi UK. “We rely heavily on agency partnerships and MarketShare has been very cooperative with all of our partners, who have improved their campaigns thanks to this integration.”
Audi has decided to use MarketShare’s unique omnichannel approach, utilising its holistic attribution expertise to first thoroughly analyse the customer journey. Audi has also deployed MarketShare DecisionCloud to access these updated models in real-time where effectiveness will be measured through predictive analysis and evaluation on improvements to ROI.
Commenting on the announcement, Lucien van der Hoeven, general manager EMEA at Neustar said: “Marketers need to find ways to make their brands heard above the noise in both the online and offline landscapes in order to drive revenue growth. By tapping our predictive models that cover both planning and campaign-level attribution, Audi UK will be creating a sustainable competitive advantage to better understand the journey its customers take, make more effective marketing decisions and ultimately connect marketing to revenue.”
Audi and MarketShare will be co-presenting at the I-COM Global Summit, 18-21 April in Seville, Spain, where they will be discussing the change in culture within organisations to see marketing as a tool to drive profit generation through the use of data.
the first real-time provider of cloud-based information services, enabling marketing and IT security professionals to promote and protect their businesses. With a commitment to privacy and neutrality, Neustar operates complex data registries and uses its expertise to deliver actionable, data-driven insights that help clients make high-value business decisions in real time, one customer interaction at a time. More information is available at www.neustar.biz.
Battens Solicitors, recognised as one of the UK’s most progressive law firms, has chosen Electronic Document Bundling software from legal systems innovator Zylpha (www.zylpha.com). The practice, which has offices in Yeovil, Sherborne, Dorchester, Weymouth and London will use Zylpha to prepare, paginate and distribute Court bundles and other legal documents. It will also use the software to organise documents for commercial and residential property sales and auctions, which are published online. The system also incorporates an integration for the practice’s current Lawsoft CMS and the potential to integrate with other Case Management Systems that it upgrades to in the future.Zylpha’s widely acclaimed legal document bundling technology, slashes the time taken to prepare and maintain document bundles and significantly boosts overall organisational efficiency. With Zylpha, users can create PDF based bundles to meet a broad range of practice requirements and then send them securely both around the enterprise and beyond. The bundles can contain documents from all leading applications and can include both audio and CCTV files. Using electronic bundles also reduces unsustainable paper and storage consumption in the workplace. Inadequate postal and courier systems are also consigned to the past.
Battens chose Zylpha because of its track record of delivering effective bundling to legal practices, its unrivalled secure delivery systems and the bundling system’s proven integration with existing case management systems used at the firm. Commenting on the choice of Zylpha David Polson, IT Support & Systems Developer of Battens noted, “Battens Solicitors pride ourselves on delivering an exceptionally high quality service and we expect the same from our suppliers. Zylpha’s Electronic Document Bundling solution has met and exceeded our expectations. Because more and more of the documents we work with on a daily basis are being sent and received electronically, our staff need to have the right tools to work with them. The implementation of Zylpha’s software has boosted our internal efficiency dramatically and has enabled us to more rapidly respond to the needs of our clients and adapt to the changing demands of the UK court system.”
For his part Tim Long CEO of Zylpha welcomed David’s comments adding, “For over 300 years Battens Solicitors has been at the centre of Dorset and Somerset life. With offices in Yeovil, Sherborne, Dorchester, Weymouth and London, it is one of the largest firms in the area with over 20,000 clients. It’s an impressive set up and it’s clear that the practice has built its first rate reputation upon delivering excellence in all it does and maintaining the highest possible standards of client service is a constant goal. Naturally, an on-going commitment to innovation is an important element in maintaining such service levels and we are delighted that Battens has chosen Zylpha to manage their document bundling and secure document communication. We look forward to working closely with them over time.”