|
Keep on trucking with our Motor Fleet Risk Management package |
|
Manage Your Motor Fleet, Comply With HSE Requirements & Keep Premiums Low |
|
This is a personal note from our Managing Director, designed to take Company Directors and/or Motor Fleet managers through what can go wrong, how you and we can minimize the possibility of going wrong and how you and we can control the costs of insuring and managing the risks you run. These comments are made with particular reference to practices in the United Kingdom, although the principles behind them probably apply everywhere.
Ø What are the motor fleet owner’s legal and other obligations? o Your vehicles are classed as workplaces and under health and safety law must be as safe as possible. o You must have a WRITTEN health and safety driving at work policy. o You must make an assessment of the risks attached to running a motor fleet and provide training to correct and minimize those risks. This should be documented. o There must be a "suitable and sufficient" risk assessment by law. o As an employer, your company/firm is responsible to ensure safe handling of work articles. This responsibility extends to the Directors and Officers personally as well as to the company, or to the owners if you are a sole trader or partnership. o The HSE prosecutes for not having an adequate and documented policy. (You should also have a policy on mobile 'phone use - I bought a hands free kit for £69.95.)
Ø Threats - What can go wrong? o Employees, Owners, Directors and Managers could end up in jail or paying heavy fines! See some case studies which have gone to Court. These make compulsive reading, putting a sharp focus on the responsibilities of company owners, directors and managers. o Without good fleet management some drivers fail to look after your vehicles properly. This increases maintenance costs and depreciation. There is also a greatly increased chance of accidents as an employee’s will to care for your assets slips away. o Increased claims will result in higher insurance premiums. o The above increased costs reduce profitability and you’re on a bad footing when compared with your competitors!
Ø How do you minimize the risks? Clearly it's in everyone's interests to avoid the situation where Owners, Managers and Directors could face criminal prosecution, with the risk of fines and jail. This plan could help.
Ø Effective risk management is good business sense and it’s the law! Proper control minimises claims. This in turn limits premium increases, enhances employee relations. With a bit of PR, staff can see you're looking after them. It protects you from legal action from employees, the HSE and the public. If you follow all these things through, (hopefully) it will not only make you HSE compliant, but will benefit you in reduced costs, increased profitability and enhanced image.
Ø How we help keep down your insurance costs.
o We view our appointment as your insurance brokers as a partnership. We are that part of your management team charged with advising you on managing your risks. o We maintain contact with all the main motor fleet insurers, either direct or through wholesaling arrangements. o We have access to all the main products available in the United Kingdom. o We are painstaking in the correct presentation of your risk to insurers and we have a good record of results in negotiating on our clients’ behalf. o If you have a less than good claims record we will use our experience to help you make it better over a period of time.
|
|
· Help with EFFECTIVE Fleet Management. · We select insurers from the whole market. · Over 35 years’ experience of arranging this type of cover. · Driver risk assessment available. · Claims management help. |
|
Motor Fleet Insurance |
|
Moneynotion Limited |
|
Fully Independent Advice on Insurance, Mortgage, Financial Advice and Risk Management |
