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Friday, 3 February 2012

Winter Weather Preparations

 


 




 Article courtesy of Allianz
 










































My name is Dave Wilson and I am an independent Commercial Insurance broker.

My area of expertise is arranging bespoke insurance cover for companies with a turnover of between £1M and £100M in a wide range of industries and professions but more specifically in the High Risk Liability sector such as roofing, scaffolding, waste management, the security industry, haulage, and also in the leisure industry.   

  • I will personally visit you and carry out a free review of your current insurance
  • Together we will identify the risks affecting you, your team and your business
  • I will personally create a programme of covers which will meet your specific needs
  • Together we will continue to monitor your needs as your business evolves
  • I will provide you with a single point of contact and continuous support in the event of a claim
 
I make sure that my clients get the cover right in the first place and when there is a claim I make sure the insurers honour their promise.

Being truly independent I am free to arrange the highest quality products and services in commercial Insurance and Risk Management with a personal approach you can rely on.

David Wilson, Protecting People, Property & Livelihoods by giving right advice at the right time providing peace of mind.



 

Thursday, 12 January 2012

Hazardous Haulage Contractors

We have an EXCLUSIVE facility specifically for chemical, petro-chemical and other hazardous hauliers, for both Liability and Motor Fleet. The latter is a unique Lloyd’s product, which is regarded as one of the most comprehensive schemes for hazardous haulage in the UK.

Don’t 'hazard' a guess at the price just contact David Wilson at david@nevillejones.com or on 07970 304169 today for a free review and quote.

Waste Recycling


It's good to be green and as a result the growth in waste / recycling businesses has been immense over recent years, although our business partners have been providing solutions to this industry for over 25 years.
Working closely with several trade bodies within this sector, including the ESA (Environmental Services Association), gives us and our business partners an in depth knowledge and understanding of the risks and covers essential to adequately protect your business and livlihood.
Quotations available for:-
  • Waste management companies
  • Skip operators
  • Transfer stations
  • Landfill sites
  • Incinerations
  • Material recycling facilities
  • Consultants and surveyors
  • Brokers
Classes of insurance covered are:-
  • Liability
  • Material Damage & Business Interruption
  • Motor Fleet
  • Plant and Machinery
'Waste' no more time, contact David Wilson at david@nevillejones.com or on 07970 304169 today for a free review and quote.

Thursday, 22 December 2011

Control of the Vehicle


The Highway Code

Control of the vehicle (117-126)
Braking
117
In normal circumstances. The safest way to brake is to do so early and lightly. Brake more firmly as you begin to stop. Ease the pressure off just before the vehicle comes to rest to avoid a jerky stop.
118
In an emergency. Brake immediately. Try to avoid braking so harshly that you lock your wheels. Locked wheels can lead to loss of control.
119
Skids. Skidding is usually caused by the driver braking, accelerating or steering too harshly or driving too fast for the road conditions. If skidding occurs, remove the cause by releasing the brake pedal fully or easing off the accelerator. Turn the steering wheel in the direction of the skid. For example, if the rear of the vehicle skids to the right, steer immediately to the right to recover.














120
ABS. If your vehicle is fitted with anti-lock brakes, you should follow the advice given in the vehicle handbook. However, in the case of an emergency, apply the footbrake firmly; do not release the pressure until the vehicle has slowed to the desired speed. The ABS should ensure that steering control will be retained, but do not assume that a vehicle with ABS will stop in a shorter distance.
121
Brakes affected by water. If you have driven through deep water your brakes may be less effective. Test them at the first safe opportunity by pushing gently on the brake pedal to make sure that they work. If they are not fully effective, gently apply light pressure while driving slowly. This will help to dry them out.
122
Coasting. This term describes a vehicle travelling in neutral or with the clutch pressed down. It can reduce driver control because
·         engine braking is eliminated
·         vehicle speed downhill will increase quickly
·         increased use of the footbrake can reduce its effectiveness
·         steering response will be affected, particularly on bends and corners
·         it may be more difficult to select the appropriate gear when needed
123
The Driver and the Environment. You MUST NOT leave a parked vehicle unattended with the engine running or leave a vehicle engine running unnecessarily while that vehicle is stationary on a public road. Generally, if the vehicle is stationary and is likely to remain so for more than a couple of minutes, you should apply the parking brake and switch off the engine to reduce emissions and noise pollution. However it is permissible to leave the engine running if the vehicle is stationary in traffic or for diagnosing faults.
[Law CUR regs 98 & 107]

Speed limits 
Built-up areas *
Single carriage-ways
Dual carriage-ways 
Motorways 
 Type of vehicle
mph (km/h)
mph (km/h)
mph (km/h)
mph (km/h)
 Cars & motorcycles
(including car-derived vans up to 2 tonnes maximum laden weight)
30 (48)
60 (96)
70 (112)
70 (112)
 Cars towing caravans or trailers
(including car-derived vans and motorcycles)
30 (48)
50 (80)
60 (96)
60 (96) 
 Buses, coaches and minibuses
(not exceeding 12 metres in overall length)
30 (48)
50 (80) 
60 (96)
70 (112)
 Goods vehicles
(not exceeding 7.5 tonnes maximum laden weight)
30 (48)
50 (80)
60 (96)
70 (112) **
 Goods vehicles
(exceeding 7.5 tonnes maximum laden weight)
30 (48)
40 (64)
50 (80)
60 (96)
* The 30 mph limit usually applies to all traffic on all roads with street lighting unless signs show otherwise.
** 60 mph (96 km/h) if articulated or towing a trailer.
Speed limits
124
You MUST NOT exceed the maximum speed limits for the road and for your vehicle (see the table above). The presence of street lights generally means that there is a 30 mph (48 km/h) speed limit unless otherwise specified.
[Law RTRA sects 81, 86, 89 & sch 6]
125
The speed limit is the absolute maximum and does not mean it is safe to drive at that speed irrespective of conditions. Driving at speeds too fast for the road and traffic conditions is dangerous. You should always reduce your speed when:
·         the road layout or condition presents hazards, such as bends
·         sharing the road with pedestrians, cyclists and horse riders, particularly children, and motorcyclists
·         weather conditions make it safer to do so
·         driving at night as it is more difficult to see other road users














126
Stopping Distances
Drive at a speed that will allow you to stop well within the distance you can see to be clear. You should
·         leave enough space between you and the vehicle in front so that you can pull up safely if it suddenly slows down or stops. The safe rule is never to get closer than the overall stopping distance (see Typical Stopping Distances PDF below)
·         allow at least a two-second gap between you and the vehicle in front on roads carrying faster-moving traffic and in tunnels where visibility is reduced. The gap should be at least doubled on wet roads and increased still further on icy roads
·         remember, large vehicles and motorcycles need a greater distance to stop. If driving a large vehicle in a tunnel, you should allow a four-second gap between you and the vehicle in front
If you have to stop in a tunnel, leave at least a 5-metre gap between you and the vehicle in front.