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<b>company Car Fleet Insurance: Equipping Your Fleet For Winter</b>

In recent years, Great Britain has been experiencing some of the coldest winters in over a century. Having said that, it is probably a great idea for you to be aware of a few things that you can do to make sure that your fleet of vehicles is ready to face the harsh winter conditions. These are, of course, aside from having sufficient fleet insurance cover.

Wipers and Lights

Your fleet manager must make sure that each of your company vehicles is equipped with appropriate wipers that can cut through snow as well as ice build-up. According to statistics, 2 out of 5 collisions happen in darkness. Thus, you must have the lights on every vehicle checked often to make sure they are working at optimum levels. This preventive measure can help prevent road mishaps that result from poor visibility.

Winter Tyres

Bad judgement of braking distances and skidding in snow-infested roads are responsible for almost half of all road mishaps in winter. Thus you need to consider the temperatures and weather conditions in areas where your designated drivers will be plying when deciding if installing winter tyres would be beneficial. In Europe, severe weather conditions are a fact of life, so your vehicles must be ready if traveling in heavy snow cannot be avoided. In some countries, having winter tyres is mandatory. Countries like Austria, Germany, Latvia, Lithuania, and Estonia, as well as the Scandinavian countries, require that vehicles are fitted with winter tyres from October to March. On the other hand, some countries like Switzerland, Italy, and France only impose the mandatory winter tyre requirement for specific areas and certain roads.

Tyre Pressure

Major temperature changes can lead to substantial tyre pressure losses. If your tyres, however, are excessively inflated, the tyres grip may be severely compromised, and this exponentially increases the risk for serious road mishaps. It is therefore your responsibility to ensure that your drivers take the initiative to inspect their tyre pressure regularly throughout winter.

Fuel

During cold and harsh weather conditions,

In cold weather, water vapour that collects at the bottom of the fuel tank can be drawn up into the fuels lines and freeze. This unsurprisingly, will prevent an engine from starting. However there are numerous ways to prevent this such as avoiding letting your fuel tank be less than ½ full, avoiding areas with more extreme temperatures and using fuel-line anti-freeze.

Summary Its too early to predict just how bad the weather will be over the next couple of months. This means that fleet managers cannot afford to be under prepared and should carry out the checks we have listed above as a minimum With an ever increasing demand for winter tyres, it is also vital that you buy them sooner rather than later. Even if snow doesnt fall, winter tyres perform much better than standard tyres in temperatures below 7 degrees Celsius.

Understanding What Motor Trader Insurance Means

Before you get a motor trade insurance quote, it is advisable that you understand what motor trade insurance is and the things it covers. Any person who runs a business related to vehicles needs to have motor trade insurance. Some people refer to motor trade insurance as road risk insurance; however, road risk insurance is just a part of motor trade insurance. Businesses that often need motor trade insurance are companies that buy and sell cars, motorbikes, and even vans.

On the other hand, businesses that involve vehicular repairs, servicing, valeting, MOT (Ministry of Transport) testing, and garage renting on their business operations need motor trade insurance, too. Regardless if your business is small or big, you will still need motor trade insurance. And even if you are working full or part-time or if you are the owner or an employee, you will still need to be covered.

It Covers Business Interruptions
Motor trader insurance can cover you when something disrupts your business operations. For example, if a piece of equipment in your business gets damaged and you need to stop your operations for a while, a motor trade insurance policy that includes business interruptions will make the insurer provide revenue protection. It will not totally provide you with the complete amount of profit during your normal business days; however, it still can cover you with the usual expenses you need to deal with like employee salaries. In case the insurer offers trading expenses coverage, the insurer will provide you the money you need to get back to your business if the business interruption damage is crippling.

Assault and Personal Accident
Due to the nature of motor trade business and the products being handled in this industry, theft is one of the biggest felonies you will need to deal with from time to time. Thus, as long as it is theft-related whether it is having personal accidents or encountering an assault during the job (be it you or your employee) any bodily injury or damaged will be covered.

Road Risk
This is the most important part of a motor traders insurance coverage. It can be separated into three categories. And they are:

Comprehensive
Comprehensive provides total coverage for you. It covers vehicles that you own, that your customers own, and any vehicle that you are driving. As long as you are involved or even related to the vehicle that has been in an accident or got damaged, a comprehensive road risk insurance can provide coverage. You can extend this coverage to your family and friends.

Third Party
This is the minimum coverage required by the government for you to operate in the motor trade industry or even drive in the UK. This will cover any third party involved in a motor accident that you were in. It covers people and the vehicles. Your passengers are also included in the coverage. However, it is important to note that you and your vehicle will not be in the coverage. You will just need to hope that the third-party vehicle or vehicle owners insurance will cover you when a road accident happens to you.

Third Party Fire Theft
This coverage includes the previous one and adds coverage for your car, or cars under control or custody, when it gets stolen, damaged during theft, or set on fire.