Hints On Writing Your Company Vehicle Duty Of Care Policy
Writing your Vehicle Duty of Care Policy can be a pain! We have written this guide to help you and highlight the important points your policy should include.
We recommend you think of your vehicles as “mobile offices” and download or print an 8 page leaflet by the HSE called “5 steps to risk assessment” from our PDF downloads it will help you to understand the basics of what your policy is all about.
MISSION STATEMENT
Your introduction or mission statement should outline your company/organisations “culture” when dealing with its vehicle fleet with regard to such things as defensive driving, risk assessment, driver’s hours and regular health checks for both driver and vehicle. You should inform people that your policy is a complimentary addition to the main company policy and should be read in conjunction with their contract of employment and a current copy of the Highway Code.
BUSINESS DRIVER
A business driver is anybody who drives any vehicle on Company Business.
In this section you should explain that any driver out on the public roads on the company or organisations business is a company driver and that includes the person that uses an “owned” vehicle on Fridays to collect the fish and chips at lunchtime for the workforce.
Your policy must explain the driver’s responsibilities to the vehicle and respect for it, the limitations and responsibility of use by the driver and others while using a vehicle on business and the management structure authorising a business driver.
Some people use this area to explain driving licences and reporting procedures for them but we prefer this to be included in the LEGAL section.
NB – Reporting structure – Approved Driver List
BUSINESS VEHICLE
The company is responsible for any vehicle, company owned, privately owned or hired with or without driver. When it is used on company business explain your procedure checks for:
Right vehicle for the job
Road worthiness.
Legality
Safe use within the law.
This must be explained clearly in terms of how the company will and will not allow a vehicle on company business to be used e.g. with (trailer) and where (abroad), as they all impinge on the above four.
NB – Reporting structure – Approved Vehicle List – Servicing List
SAFE USE OF A VEHICLE
This is one of the most important sections of any Vehicle Duty of Care policy and you understanding its full implications and how you write it.
It is also where the reporting structure is at is most important and also where it breaks down in a lot of companies.
An example to illustrate what we mean:-
A company driver driving their own car is involved in an accident killing their passenger. The police decide the driver was well above the speed limit both for the road and weather conditions. On further investigation it was found that the driver had been driving to a 4pm sales meeting on the instructions of management and was late. It was also discovered that one of the front tyres was less than 1.6mm. Further investigation by police of company records showed the driver was on a sales bonus scheme related to the number of new customer visits per week.
The Police can lay charges against the driver from driving without due care and attention to dangerous driving and even manslaughter. He will be charged for the illegal tyre, gain 3 points on his licence and receive a fine of up to 2,500.
The Police could also lay charges against the company and its officials for corporate manslaughter if they think they were negligent in their duty of care by the structure of reporting from driver to company and was not actively followed (tyre) and that the sales bonus scheme brought unreasonable pressure on the driver to perform. At the minimum the legal officer of the company, usually the company secretary, will have their licence endorsed with 3 points and a fine (tyre).
NB – No matter how good your Vehicle Duty of Care Policy is with regard to the legality, safe use and clearly stipulates NO work schedule incentives for drivers, if your support structure is not active, problems will occur. Sorry but we will say this again. No matter how eloquent your Duty of Care Policy is written, with all the “do this, don’t do that,” unless – Your Reporting Structure is Robust and Active – You will fail in your Duty of Care!
VEHICLE SECURITY
Sometimes vehicle security is mixed with Insurance or safe use of a motor vehicle. We feel that security is not only that of the vehicle itself but also where it is parked on company premises, customers’ premises and overnight and therefore needs a section of its own.
LEGAL
In this group you base everything your drivers and vehicles need to stay legal on the roads and what happens when they don’t!
You need to clearly outline your company/organizations stance on all things that will stop a person driving legally from drinking, driving offences to non payment of fines and who is responsible for payments both fines & court offences needs to be made clear.
You need to make drivers aware here that they also have a duty of care to keep you informed through the proper procedures which you write of any changes to themselves or the vehicle they drive that could result in legal action. Your main approved lists stem from this section because failure to maintain any one of them can result in Legal Action against the driver and or your company/organisation.
NB – Reporting structure – Driving Licence List – Tax & MOT List – “O” Licence List – Insurance List
INSURANCE
All vehicles used on company business need business cover and it should be made clear to the drivers the position of both the company and insurance company.
ACCIDENTS
The driver is at their most vulnerable immediately following an accident and therefore it is here that you want to be sure that you have done all that you can to support the driver while protecting the company to make sure that the correct procedures will be followed.
NB – Accident forms – for the last time, honest! A strong reporting structure has to be in place for any Vehicle Duty of Care Policy to succeed in your Company/Organisation.
The Benefits of Cheap Auto Insurance
Cheap insurance Toronto is not tough to discover. From cases where people, who had vested interests instead of consumer welfare in mind, have been misled by insurance brokers, which is a stemming misconception. If it is known which parameters control auto insurance rates in Toronto or in Canada generally, not only better policies are found to cover for any and every vehicle owned or driven, but also there are affordable home insurance or commercial insurance policies in Toronto. Car owners in Ontario and Toronto are amongst the highest rates and premiums payers in the business of auto insurance, which is not at all surprising. It must be ensured that all the rates from all of the prime insurance brokers in the country/city are readily available. With the help of most online going firms, this has become easier with their quotes and premium rates comparison of on the web. It is advisable to get counseling in the city from the best insurance brokers. This however doesn’t mean traveling hours to the insurance firms’ centers to the other end of the city. Instead, one can simply login to the websites of similar firms to get live counseling from the same brokers met personally at the centers! It is ideal to get anti-theft or burglary alerts systems installed in the car. This means that instead of being reluctant to get car-decking with the software apps and state-of-the-art systems to prevent theft, it may actually be helpful in the long run in saving money through better coverage riders and lesser premium rates!
Due to the economic downfall of all the major global economies, cheap auto insurance has become inevitability. Nevertheless, prime concern of every individual is saving money especially on account of sky rocketing commodity prices and being on the look for discounts, whenever possible. Everybody wish to remain safe while on the road and claim to be safe drivers. Had this been probable, governments would never have gone ahead to buy vehicle covers for their people. According to the prescribed act, bringing a vehicle on road without minimum policy coverage is a criminal offense with severe penalties for the crime.
High risk driver insurance is also known as high risk auto insurance. People categorized by the insurance companies as high risk are always surprised upon augmentation of their insurance premium. To avoid being surprised with the auto insurance coverage rates applied for, it is better to attempt to learn more about drivers’ categorization by companies and their effects on the premium amount imposed on each classification type. While labeling a ‘high risk’ driver individual, several factors are considered by insurance companies. Either the rating of this risk is based on the data derived from the loss experience categorized on this basis.
[Top]Is Paid Credit Card Payment Protection Only For Those That Don’t Need It
It’s the quandary that people in debt face every day: How do I spend as little as possible on debt and still manage my risk? Lenders might offer a person taking out a credit card extended credit card payment protection for a small monthly fee, but people may feel they don’t have the spare cash to spend on securing a balance. In their mind’s, paid credit card protection is for those people who are rich enough not to need it, because they can afford the additional cost of carrying it. However, this type of thinking is exactly the opposite of what should be going through someone’s mind when they’re offered payment protection. Instead, they should be weighing the risk of defaulting on debt more than the cost of the small monthly payment used to make sure they can continue making payments if they get ill or are made redundant in their jobs.
How the rich might weigh the risk of not carrying payment protection
First, rich people would figure out how much of a balance they typically carry and whether they have enough savings to cover the balance should they suddenly lose their business or get seriously ill. If they are already carry disability or life insurance, this might help in the case where they were suddenly diagnosed with an illness or suffered a major accident. It would not help them if they lost their business and the associated income. For that they would need to rely on their savings or investment accounts to help repay outstanding debts.
Or, rich people with huge outstanding balances may decide that claiming bankruptcy would be the better option if their hope of repaying their debt in a few years is miniscule when compared to the size of the debt. For those that don’t have the option of a large bank account or business investments to cover an outstanding credit balance, the paid credit card payment protection can offer some peace of mind when they lose a job or get sick or injured. This is much truer for someone who is depending on an employer and a healthy economy to keep from being made redundant. Business owners might decide that claiming bankruptcy makes more sense.
When bankruptcy is not an option
If your livelihood depends on being able to work in your profession, it may be a very bad idea to file bankruptcy to get rid of credit card debt – even if your business fails. Bankruptcy in the UK can bar certain professions from practicing if that individual is declared bankrupt by the courts. In such cases, a payment protection plan can offer some peace of mind that debt payments will be made and creditors will not force that individual into bankruptcy through non-payment. This will give them time to work out an individual voluntary arrangement to resolve all the debt without a bankruptcy declaration. This can not only save their credit for a time, but also save their potential earning power for the future when thing might be a whole lot better.
Other risks that demand that you take out credit card payment protection
Other types of risks that can help you decide whether you should pay the monthly fee for extra credit card protection is whether your loss will affect more than yourself. It may be one thing to lose a credit rating, but quite another if the loss of a job or an unexpected illness also puts your family at risk. If you can cover a mortgage with unemployment benefits for a period of time, but not the additional credit card payments, then you might want to consider taking out extra credit card payment protection. If you happen to be made redundant through no fault of your own, the benefits can mean that you will be able to keep your family fed and housed, even while maintaining a good credit history. This will undoubtedly help you if it takes a bit of time to find a new job or if a job offer is dependent on a good credit history. It can also save you from having to dip into retirement or investment accounts to make up the difference. When the risk of non-payment affects more than just you because you are the primary bread-winner, it makes sense to add extra protection to your accounts to keep you solvent even when things don’t go exactly as you had planned.
[Top]Home Insurance Massachusetts Auto Insurances Massachusetts Car Insurance Massachusetts
We are one of the Leading Insurance Agencies in Massachusetts,Our services are home insurance,auto insurance,boat insurance,business commercial insurance,car insurance ,general insurance,direct insurance ,online insurance etc.For over 50 years the John M. Biggio Insurance Agency has made servicing our Massachusetts clients our priority. Although we provide insurance to many customers in Winthrop, Boston, East Boston, Revere, Chelsea, Saugus and Everett we also service hundreds of clients from Cape Cod to the Berkshires with home owners insurance, auto insurance, flood insurance, commercial and small business insurance.
We are the Massachusetts insurance agency with the -P.S.- Personal Service. Insurance can be daunting to deal with. At our agency we specialize at determining what your or your business needs are; in matching those needs to the right policy; in doing so you save money; and always being available for future changes. Better coverage at great values is our goal for clients. We are an insurance agency that has the clients best interest in mind, always. Our more than 50 years of cultivating great relationships with the insurance companies we represent allows us to deliver superior and cost competitive products to our diverse client base. We are an insurance agency that understands that our client’s needs are as diverse as our clients. Whether you own a home or car or business; whether you have many assets to protect or are just starting out; whether you are an independent contractor or large Boston firm we are the Massachusetts Insurance Agency that can address your unique needs so as to minimize your exposure to financial loss. What sets The John M. Biggio Insurance Agency apart from other insurance agencies is our commitment to our clients.
Located in Winthrop Massachusetts with many customers from Winthrop, Boston, East Boston, Revere, Chelsea, Saugus and Everett and from across Massachusetts, The John M. Biggio Insurance Agency through face to face meetings, phone conversations, emails and the Internet offers a complete beginning to end service. We put the 100 plus years of experience at our insurance agency to work everyday for our Massachusetts clients. To receive more coverage with better account service at competitive rates call us at 617-846-8600 or fill our Quick Start Insurance Help Form.
Contact Us :
We are one of the Leading Insurance Agencies in Massachusetts,Our services are home insurance,auto insurance,boat insurance,business commercial insurance,car insurance ,general insurance,direct insurance ,online insurance etc.For over 50 years the John M. Biggio Insurance Agency has made servicing our Massachusetts clients our priority. Although we provide insurance to many customers in Winthrop, Boston, East Boston, Revere, Chelsea, Saugus and Everett we also service hundreds of clients from Cape Cod to the Berkshires with home owners insurance, auto insurance, flood insurance, commercial and small business insurance.
John M. Biggio Insurance 399 Winthrop St. Winthrop, MA 02152 TEL: 617 592-8515 FAX: 617 846-8928 E-mail : Website : http://www.biggioinsurance.com/
[Top]Top 10 Secrets Of Federal Government Employee Discounts
Although government jobs are some of the most stable careers in the economy, federal employees are still watching their bank accounts and trying to save money. The good news is that many companies offer public servants deals on vacations, clothes, phones, auto insurance and home improvement. We have researched and compiled a list of the Top 10 Secrets of Federal Government Employee Discounts.
1. Food
10 percent discounts are offered to military members dining at IHOP, Denny’s, T.G.I Friday’s, Long John Silver’s and the Hard Rock Cafe. Applebee’s also offers a 15 percent discount at selected locations.
2. Clothing
10 percent discounts are offered at Nautica and New York and Co. Fans of Old Navy know the company offers a discount on the first of every month. These discounts can also be used in conjunction with coupons and other methods of saving.
3. Auto Parts
5 to 10 percent is offered at Kragen Auto Parts. Advance Auto Parts offers active and retired military members 10 percent off. AutoZone offers military discounts as well.
4. Insurance
Depending on the state, Geico offers between 3 to 10 percent off automobile insurance. Liberty Mutual also offers car insurance discounts.
5. Home Improvement
Lowes and The Home Depot offer 10 percent discount at most locations. The government is also offering up to $1,500 in tax rebates for installing energy-efficient products. LongFenceandHome.com offers a discount to federal employees and military personnel on a wide variety of products and services.
6. Eyes
Group Health Eye Care offers a 20 percent discount on prescription eyeglasses or sunglasses. Additionally, there is a one-time offer of 20 percent on contact lenses.
7. Gyms
Washington Sports Club offers 33 percent discount on their monthly membership fee.
8. Travel
When planning a trip, Govarm.com is our recommended site for vacation and leisure services. However, some other respected government travel sites are: Club Quarters, Government Vacation Rewards, Holiday Inn Express, and La Quinta Inns and Suites.
9. Communication and Technology
Verizon offers a 20 percent discount on phones, calling plans and accessories. When looking for home computing software and hardware consult Dell. They offer at least 10 percent when purchasing their products. Do you prefer Macs? Apple has recently offered various discounts on iPods and computers.
10. Fedsave.com and RecGov.org
These are the top recommended sites for searching government discounts. Fedsave.com offers a subscription which includes a free monthly newsletter highlighting savings and special offers on everything discussed above.
Government discounts are abundant, but are often overlooked. With some quick research, you may find yourself saving a lot of money.
[Top]