Category Archive: News

  1. How Does Motor Trade Insurance Work?

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    How Does Motor Trade Insurance Work?

    Mоtоr trаdе inѕurаnсе is a ѕресiаl inѕurаnсе рlаn орtimizеd for реорlе in mоtоr or trade. Motor trade in thiѕ соntеxt rеfеrѕ tо thе business оf ѕеlling mоtоr vеhiсlеѕ – vehicles of all kindѕ; truсkѕ, саrѕ, mоtоrсусlеѕ, еxоtiс саrѕ, luxurу саrѕ, еvеn еаrthmоving and hеаvу еԛuiрmеnt under ѕоmе dеfinitiоnѕ. Nоw business рrосеѕѕеѕ аrе аѕ unique as thе products they ѕеll. And аll оf thеm hаvе ѕоmе fоrm оf inѕurаnсе suited tо thеir rеquirеmеntѕ. Mоtоr trаdе insurance iѕ аn inѕurаnсе рlаn dеѕignеd tо орtimizе fоr thе аutо trade industry in order to оffеr them coverage fоr thе riѕkѕ thаt аrе uniԛuе tо thеir trаdе.

    Nоw аnу buѕinеѕѕ wоuld hаvе ѕеvеrаl fоrmѕ of inѕurаnсе – insurance fоr thе building, inѕurаnсе for assets аnd рrореrtу, inѕurаnсе for vehicles, insurance fоr machinery etc. Prорriеtоr’ѕ often mаkе the miѕtаkе оf аррrоасhing different vеndоrѕ for diffеrеnt kinds оf insurance. Motor trаdе inѕurаnсе offers you соvеrаgе fоr еvеrуthing undеr оnе соnѕоlidаtеd plan. Now thе dеfinitiоn оf ‘еvеrуthing’ will differ according tо whаt you сhооѕе and hоw уоu customize thе plan. This is рrеttу much standard procedure on аll insurance рlаnѕ whеrе thе buуеr саn pick аnd сhооѕе аnd mаkе ѕurе thаt the mоѕt рrоbаblе riѕk factors are соvеrеd firѕt. This аllоwѕ thе buyer tо рriоritizе.

    With motor trаdе inѕurаnсе, уоu can сhооѕе whаt riѕkѕ you wаnt соvеrаgе fоr аnd hеnсе аvоid еnding uр рауing unnecessary mоnеу fоr riѕkѕ thаt hаvе a very low роѕѕibilitу of оссurrеnсе. Mоѕt businesses run in a ѕtriсt way, еѕресiаllу ѕtаrt-uр buѕinеѕѕеѕ whеrе every penny counts, in such a delicate ѕсеnаriо, motor trade inѕurаnсе hаѕ a triple bеnеfit. Firstly, as explained аbоvе, the plan iѕ реrfесtlу ѕuitеd for thе аutо trade induѕtrу and оffеrѕ a соmрlеtе end tо еnd solution. Prорriеtоrѕ nееd nоt go tо separate vendors fоr ѕераrаtе coverage аnd hence avoid hаving a disparate, diѕсоnnесtеd inѕurаnсе ѕуѕtеm whiсh entails a lоt оf time аnd paperwork.

    Mоtоr trade inѕurаnсе аlѕо аllоwѕ thе buѕinеѕѕ tо pay оnlу whаt it nееdѕ tо pay аnd if уоu have vеrу ѕаfе building layout аnd fееl thаt fire hаzаrd is nоt a major risk, then уоu hаvе thе option оf not paying a рrеmium for that. ѕuсh insurance will соmе tо уоur aid whеn уоu need it. Timеѕ аrе diffiсult and mоѕt соmраniеѕ, especially ѕtаrt-uрѕ will nоt have the resilience tо аbѕоrb thе imрасt оf a blow dеlivеrеd bу a ѕuddеn miѕhар.
    a motor trаdеr looking tо gеt a traders insurance, thеrе is uѕuаllу аn еxtеnѕivе liѕt оf роliсу that offers уоu thе chance tо сhооѕе frоm, whаtеvеr the case maybe еvеrу trаdеr can choose whiсh роliсу iѕ mоrе preferred.

     

    MOTOR TRADE INSURANCE POLICIES

    • Basic Trade Coverage for Cоmраniеѕ

    Thеrе аrе ѕеvеrаl орtiоnѕ when it comes tо finding соvеrаgе fоr motor саrѕ that rеԛuirе trаdе company inѕurаnсе. Road Riѕk insurance is the mоѕt basic роliсу. There аrе thrее diffеrеnt kinds: third раrtу оnlу, fire аnd thеft frоm the third party, and then comprehensive. The firѕt kind will cover injuriеѕ, dаmаgе tо property, and death from a vеhiсlе rеlаtеd to уоur buѕinеѕѕ. The second kind covers everything thе first kind соvеrѕ, аѕ well аѕ аnу damage to уоur vehicles frоm fire оr theft. Thе last kind iѕ thе broadest аnd will соvеr ассidеntѕ аѕ wеll as аll of thе above.

    • Liаbilitу Policy Coverage

    You will nееd tо purchase a liаbilitу роliсу if the gеnеrаl public is аllоwеd оn your business рrеmiѕеѕ. Thiѕ kind оf inѕurаnсе will еnѕurе you аrе рrоtесtеd against аnу dаmаgе аnd injury сlаimѕ that mау оссur аѕ a result of a mеmbеr оf thе рubliс being оn уоur рrеmiѕеѕ. Thiѕ mау аlѕо cover employer liability, fаultу wоrkmаnѕhiр, аnd sales аnd ѕеrviсе рrоtесtiоn.

    • Cоmbinеd Cоvеrаgе Pоliсу

    Thе mоѕt comprehensive роliсу iѕ a trаdеr Cоmbinеd Inѕurаnсе Plаn. Thiѕ соvеrѕ аnуthing tо dо with thе mоtоr саr trаdе industry that уоu may соmе in соntасt with. It will соvеr аnу lоѕѕеѕ аt your рlасе of business or аt уоur hоmе. For thоѕе who are intеrеѕtеd in ensuring that there аrе no соvеrаgе gарѕ, thе combined coverage роliсу is the best motor trаdе inѕurаnсе to gо with.
    The kind оf роliсу thаt уоu will nееd tо рurсhаѕе will dереnd on уоur buѕinеѕѕ requirements. It may bе uѕеful tо соntасt a соmраnу that provides mоtоr trade inѕurаnсе ѕо thаt thеу саn еxрlаin еxасtlу what thе diffеrеnt lеvеlѕ оf insurance соvеrѕ. Thiѕ will givе уоu the infоrmаtiоn that уоu nееd in оrdеr to mаkе a dесiѕiоn.

    In thе mоtоr trаdе induѕtrу, Sоmе mоtоr trаdе inѕurаnсе companies will hаvе сеrtаin rеԛuirеmеntѕ that muѕt bе mеt before they will even iѕѕuе a роliсу. Pоliсуhоldеrѕ may need tо bе over thе аgе оf 21 аnd hаvе hеld thеir driving liсеnѕе fоr аt least 1 уеаr. This саn cause problems fоr ѕоmе уоungеr mechanics who are just ѕtаrting оut running their own buѕinеѕѕ but it iѕ wоrth ringing rоund diffеrеnt insurance companies. It may juѕt mеаn thаt thе роliсу cost will be a lоt highеr than if the business оwnеr iѕ оldеr.

    You can use different sites tо соmраrе соmраniеѕ to make ѕurе thаt уоu аrе getting thе bеѕt deal. Sоmеtimеѕ thе сhеареѕt ԛuоtеѕ are nоt nесеѕѕаrilу thе bеѕt fоr your buѕinеѕѕ. Yоu nееd to mаkе ѕurе that the policy is bеѕt ѕuitеd to your company’s nееdѕ and аlѕо thаt thе insurance соmраnу рrоvidеѕ an еxсеllеnt ѕеrviсе. It mау be bеnеfiсiаl tо уоur соmраnу tо hаvе a ѕhор аrоund еасh year, this may mean thаt you gеt bеttеr deals inѕtеаd оf ѕtiсking with thе ѕаmе mоtоr trade inѕurаnсе policy уеаr оn уеаr. Mаkе ѕurе thаt you go tо аn inѕurаnсе company thаt hаѕ a good rерutаtiоn.

    Onсе уоu have dесidеd whiсh policy has thе right level оf cover fоr уоu and whiсh соmраnу саn рrоvidе thе bеѕt ԛuоtе уоu need tо bring thеm and givе them thе details оf your business. Likе all inѕurаnсе роliсiеѕ, it iѕ vеrу imроrtаnt thаt you givе thеm all thе соrrесt infоrmаtiоn otherwise you will nоt be covered. It is аlѕо imроrtаnt to lеt them knоw of аnу changes in circumstances as thiѕ will аlѕо affect уоur роliсу.

  2. Why should you get a motor trade insurance online

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    Getting an insurance quote online

    This is a virtual world, we all approve of it for various reasons and contribute towards its development, and it shouldn’t come as a surprise that insurance quotes are no exemption from this trend- they are winning at this. Anyone in the field of motor business would understand the importance of either part time motor trade insurance or full-time motor trade insurance , it is crucial for sustaining the ups and downs that are part and parcel of the job. So what do you do? If you’ve been on the field long enough, you know that these are important decisions, decisions that need thorough research and a clear understanding of what exactly to extract from insurance quote. And the possible beat way to go about that is- doing it online.The fist thing that pops into your mind whenever you use the word online is accessibility.The convenience that it brings. You can access the details anytime, anywhere. Suppose it was a long day, tiring and hectic but the decision of which insurance to get for your business is still pending, and you cannot undermine the importance of a good motor trade insurance quote, what do you do? Drag yourself out and bear with struggle of doing that? Or simply access your options online as you sip a cup of tea or while you get 10 minutes to spare. It’s pretty simple. A blessing in this fast paced world. No waiting in queues, no taking out a specific time, no appointments necessary. No handwriting mess ups ot ink stains on application forms.

    Insurance policies at affordable prices

    It gets even better, online insurance policies are cost effective! Why? Because the distributor just saved a bunch of money bu not spending it on paper and brokers that explain the pros and cons as everything is digital and every aspect is given. When the distributor saved money on the distribution of its distribution, consequently the consumer would be asked to pay less. And who doesn’t love paying a smaller amount? This is why most of the online insurance policies are cheaper than ones you view while visiting in person.

    After accessibility and cost effectiveness comes the point of saving time. As someone who is operating a motor trade business, it is not easy to take time out or save energy to go and brainstorm on the various aspects of motor trade insurance policies at different offices. Most of the times you end up just drained mentally and exhausted and postpone the decision. Again, this is not something that can be decided upon without thorough consideration, and that requires time and energy which is saved when you view the details online as per your choice and convenience. The substantial amount of data that is provided online allows one to focus fully on the policy under consideration without wasting it on the lesser important annoyances that come with offline methods of visiting and reviewing.

    Online policies and coverage

    There are some companies that provide an array of insurance policies and coverage. The fact is that everyone judges by comparison and you cannot judge whether a particular policy suits you or not if you don’t have a quick comparison. Comparison of cost, care, custody and coverage- all the C’s important in a motor trade insurance quote.

    Being online can give you the luxury of just that, easily in a shorter period. The details of every policy can be reviewed, and an informed decision can be made without much hassle. Information gathering can otherwise be a daunting task, and without proper knowledge, a smart conclusion can never be deduced. So if you want a more efficient method of data collection, do it online.

    Reviews from existing customers

    Another very useful aspect online motor trade insurance quotes is that people have given it ratings and described their experiences in the review section. Actual people who have used the policy and tested it telling what they liked or disliked. Whether the policy lived up to their expectations or not? Whether it was flawed in any way, had loopholes of any sort that the insurer exploited (Good knows this happens a lot).

    At what points did it fall short of the expectations of those that had their vehicles insured, what were the discrepancies in part time motor trade insurance and full time motor trade insurance. This first-hand experience is priceless and can give insight into what the policy is all about.

    Track of premiums, instalments, renewal of the policy

    The online platform is not limited to only buying the motor trade insurance quote, it is also an effective way for existing policyholders to keep track of their premiums, instalments, renewal of the policy and to make online claims. All of this can be done from the vicinity of your house or office. Buying motor trade insurance online is not just a one-time service. It is a system, a process that continues to add to your comfort every step of the way.

    Rainbow Motor trade insurance is an online platform that meets all the above demands, it is impartial and fair and draws quotes according to the requirements specified. It is an easy way for motor traders to access the best possible quotes for Motor dealer insurance, Valeter Insurance, Breakdown recovery insurance, Bodyshop repair insurance, Windscreen repair insurance, Breakers and salvage insurance, car sales insurance, Vehicle delivery insurance, Mechanic insurance and much more. There is the cheaper third party coverage to the full comprehensive coverage which is more expensive.

    It is accessible from wherever you may please. It is competitive regarding cost and provides the best possible quotes matching your requirements it gives an easy comparison as more than one quote is stated that suits your specifications, everything is online and hassle free and they also provide a considerate insurance expert who can explain the things that cannot be comprehended. All in all, it process the best packeges and an exciting, smooth transaction that is custom tailored to the requirements of the client. The best way to do it online.

  3. A Beginner’s Guide to Minibus Insurance

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    Some vehicles require specialist insurance due to the nature of their use or the number of passengers they can carry. This often applies to minibuses which are generally used to ferry people about, whether that be for free or for a fee. Generally speaking the more passengers your minibus can carry, the larger your insurance premium is likely to be.

    In this article we’re going to take a quick look at minibus insurance and when you’re likely to need it.

    What is a Minibus?

    A minibus is defined as a vehicle with nine to sixteen seats, including the driver’s seat. Anything under that will be classed by your insurance provider as an MPV (multi-purpose vehicle) or car and anything over that will be classed as a coach.

    Types of Insurance Associated with Minibuses

    If you own a minibus you need to be very clear on how you plan to use it as this will affect the type of insurance you take out and ultimately your premium. There are different types of insurance you can hold when driving a minibus:

    • Minibus Insurance
      If you’re using your minibus to ferry people from one place to another in a non-commercial situation then you’re going to need minibus insurance. This could be for a charity, church or a school or sports club.
    • Taxi Insurance
      If your minibus is being uses as to transport people for a fee then you’ll need to take out specialist taxi insurance.
    • Van Insurance (Commercial)
      If you are using your minibus for commercial purposes other than as a taxi, then it’s more likely you’ll need to take out van insurance. Van insurance doesn’t include the option of ‘social, domestic, pleasure and commuting’ class of use, so even if you use it just once to get to work you’ll need to have commercial van insurance.

    The important thing to remember about minibus insurance is to make it absolutely clear to your insurance provider what you are using the vehicle for. You should also keep your insurance provider informed of any changes in the way you use the vehicle. Failure to do this could result in your insurance becoming invalid.

    For more information on minibus insurance call and speak to one of our experts today on 03445 732 400 or visit our minibus insurance page for more details.

  4. Car Insurance Jargon Buster (Part 2)

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    Car insurance terminology can be confusing and there can be a lot of detail to take in when it comes to understanding the small print. To help cut through the confusing language and decipher some of those mysterious acronyms we’ve put together a two part car insurance jargon buster.

    In this our second part we look at everything from fault claims to write offs. For A-D please click here for part one.

    Fault Claims: When you make a claim but your insurer cannot recover the cost from the third party. This could be if you are deemed to have caused an accident or for other reasons that aren’t your fault but where there is no other known party involved such as theft or vandalism.

    FCA: The Financial Conduct Authority regulated the car insurance industry as well as other financial services companies.

    Green Card: A document that proves to non EU countries that your insurance provider provides the minimum insurance necessary to drive in the country.

    Insurable Interest: This is the basic requirement of taking out car insurance and refers to the fact you have an interest in the vehicle being insured and would suffer a loss if it were damaged.

    Main Driver: The person who drives the car most of the time as stipulated on the insurance policy.

    MID: The Motor Insurance Database is a record of every insured car in the UK.

    Optional Extras: Also known as Add Ons, these are benefits, such as breakdown cover and replacement vehicles, that can be added to your policy for a fee.

    Policy: This is the main document between you and your insurance provider. It will detail all the terms of your insurance, including the premium and term. Not to be confused with the certificate of insurance, which is required by law.

    Premium: The amount paid to your insurance provider to hold the policy. This can be paid in monthly instalments or in one yearly sum.

    Schedule: This document forms part of the contract between you and your insurer and shows things like your excess and any endorsements you might have.

    SORN: Statutory Off Road Notifications can be obtained from the DVLA are required by law if you plan on not using your vehicle and are keeping it off the public road.

    Third Party, Fire and Theft: Will cover your vehicle for theft and fire as well as damage from third parties only.

    Voluntary Excess: This is the fee you pay to your insurance provider towards the cost of a claim. You can set your own voluntary excess before taking out the policy, with a higher excess usually resulting in a lower premium.

    Write off: If the cost associated with repairing your vehicle is more than your insurance company deems the vehicle to be worth then it will be considered a write off.

  5. Car Insurance Jargon Buster (Part 1)

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    To the non-initiated, understanding all the ins and outs of car insurance can seem like learning a whole other language. As well as the array of specific terminology there are a lot of important acronyms that it really pays to understand.

    To help you make sense of this confusing array of terminology we’ve put together this insurance jargon buster. This is part 1, with part 2 to follow in January.

    ABI: The Association of British Insurers is a trade body comprised of 250 leading insurance companies and accounts for over 90% of the UK insurance market.

    Act of God: An event which is not the fault of any individual and is unpredictable such as a lightning or meteor strike. Acts of God may not be covered in your policy and are often separate from extreme weather events like flooding or falling trees.

    Betterment: A payment made by an insured party that recognises the fact that their vehicle will be worth more as the result of repairs relating to an insurance claim.

    Certificate of insurance: This is a document that is required by law and shows the car being insured, who is allowed to use the car and the classes of use (see below).

    Class of Use: A term used by insurance companies to determine what you use your car for and how often. There are three classes of use: Social, domestic and pleasure; Commuting; Business use The class of use you select will often have a big bearing on your insurance premium. It’s very important you are certain what class you fall into as supplying inaccurate information could invalidate your policy.

    Comprehensive cover (or fully comprehensive): This will cover you and your vehicle as well as the vehicles of third parties if you are at fault.

    Compulsory excess: This is a set amount you need to pay to your insurer when making a claim. The level of your compulsory excess will depend on how much of a risk you are judged by the insurer.

    Conviction Code: If you commit a motoring offence the DVLA (see below) will add a four digit conviction code to your licence.

    Cover note: A document that shows you have temporary car insurance while your insurer is preparing your policy documents and certificate of insurance. Some insurance companies don’t issue cover notes and will instead issue you with a certificate on the day you accept the insurance.

    Duty of disclosure: When you take out a car insurance policy you have a duty to inform your insurer of any changes in your circumstances, such as change of address or a modification to your car.

    DOC: Drive Other Cars (DOC) is a type of cover that some insurance policies will include and means you are insured to drive another person’s car, with their permission. This will usually only be third party cover and cannot be for day to day use.

    DVLA: The Driving and Vehicle Licensing Agency is the body responsible for issuing licences and collecting car tax for all drivers in Great Britain.

     

  6. Car Insurance Myths Debunked

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    There are a lot of pervasive myths when it comes to car insurance and car insurance companies. A lot of them are born out of simple misunderstandings that then get exaggerated. Others may only apply to the majority of insurance companies but aren’t a hard and fast rule.

    Below are some common car insurance myths debunked.

     

    • Personal property in my car is covered
      Although your car insurance will cover you for the theft of your vehicle and any damage sustained to it as the result of an accident or a criminal act, any personal property you have in the car is not covered. That’s worth bearing in mind next time you leave your expensive golf clubs in the boot.
    • Courtesy cars are standard on car insurance policies
      Some insurance policies will include a courtesy car as standard but many others will only offer this service as an optional extra, whilst some won’t offer it at all. If you take an insurance policy out with us at DNA we will supply you with a replacement vehicle if the accident wasn’t your fault.
    • I can keep my costs down by becoming a named driver on my parent’s insurance
      Becoming a named driver on someone else’s insurance policy means you cannot be the main driver of that vehicle. This is often done by parents to keep insurance costs down for a son or daughter who has just passed their test and is known as ‘fronting’, which can land you with a large fine and six points on your licence. For a young driver this means a ban.
    • A speeding ticket will automatically cause my premium to rise
      This isn’t always the case and will vary from insurer to insurer. Quite often three points on your licence will have no bearing on your premium, although multiple points may start to see your insurance costs rise.
    • I won’t be able to get car insurance if I have a driving conviction
      Although many insurance companies won’t insure you if you have a conviction for a driving offence like drink driving that doesn’t mean you can’t get insured. At DNA Insurance we offer insurance to drivers with criminal or motoring convictions.

     

    There are a lot more myths concerning car insurance but like so many things in life it pays not to believe everything you hear and take the time do a your own research. You never know, you might be pleasantly surprised.

    If you have a motoring conviction or have been banned from driving in the past, visit our Convicted Driver Insurance page to see how we can help you get back on the road. Alternatively give one of our friendly team a call on 03445 732400.

  7. DNA Christmas / New Year Opening Times

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    Please Note: Friday the 18th December is our DNA christmas party so the office will be shutting at 6pm and we are shut on the 19th December but we are back open normal hours Monday 21st December – please contact us beforehand if you have any queries.

    DNA CHRISTMAS & NY OPENING TIMES:
    Thursday 24th Dec 9am to 2pm
    Friday 25th Dec Closed
    Saturday 26th Dec Closed
    Sunday 27th Dec Closed
    Monday 28th Dec Closed
    Tuesday 29th Dec 9am to 7pm
    Wednesday 30th Dec 9am to 7pm
    Thursday 31st Dec 9 am to 2pm
    Friday 1st Jan Closed
    Saturday 2nd Jan Normal Hours
  8. 82% Increase in Pothole Related Breakdowns

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    Cast your mind back to the winter of 2013 and, as well as the freezing conditions, you may also remember the terrible state that bitterly cold weather left many of our roads in.

    And yet despite two mild winters since, earlier this year, the RAC reported a staggering 82% increase in suspension spring related call-outs. In fact, by February the RAC had attended 7,500 breakdowns of this nature, compared to just 4,000 in 2014 and 5,600 in 2013.

    This type of damage to a car is almost always the result of poor road surfaces and as such related breakdown callouts make for a good measure of road surface quality. Potholes can also wreak havoc not only on your car’s suspension springs but also on shock absorbers and even tyres and wheels.

    Such is the state of the problem that the RAC has teamed up with the pothole reporting site Street Repairs to create a new app to help people report potholes. The app will also allow reporting of other highway problems and uses GPS to send the data back to the RAC, where it is then forwarded onto the relevant local authority. The hope is that potholes will be identified and fixed before they get much worse and start damaging car’s suspension.

    It might be a small gesture but it’s initiatives like this that could help save UK drivers money as potholes continue to be a problem. Clearly the public perception is that the problem isn’t going away either, with RAC research finding 41% of motorists surveyed were worried about the state of the roads.

    So what does the future hold? Well, there’s no doubt that the suspension of modern cars is far better equipped to deal with these unexpected bumps in the road but that may not be enough if potholes get too severe.

    The two factors at play here are weather and funding. With the effects of climate change being linked to more extreme weather events, like flooding and cold snaps, and continuing cuts to council budgets in the immediate future, this problem could get a lot worse before it gets better.

    For more information on adding breakdown cover to your DNA insurance policy, call one of our friendly team today on 08445 732 400.

  9. Boris Johnson Weighs into Uber Debate

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    Links:

    https://www.theguardian.com/technology/2015/oct/05/boris-johnson-accuses-uber-of-systematically-breaking-the-law

    Currently Uber has 18,000 drivers (or registered partners as Uber likes to refer to them) in London alone. By offering cheaper fares and the ability for customers to effectively hail cabs via GPS and an app, traditional black cab drivers have accused Uber of undermining their business by flouting the law and allowing unlicensed drivers. In May they took to the streets to protest about it, bringing traffic to a standstill in parts of central London.

    Into this debate has weighed Boris Johnson, caught between proponents of Uber, who say it is offering customers reasonable taxi fares in the capital and creating thousands of jobs, and those who say it is destroying the black cab profession and pushing drivers into poverty.

    Transport for London (TfL) are currently in a high court row with Uber over whether its app acts as a meter, something which would make it illegal in the capital, as only licensed cabs are allowed to operate meters. Uber has retaliated, claiming that TfL is just trying to protect black car drivers by curtailing its business.

    TfL has also launched a consultation to consider proposal to force Uber drivers to wait at least 5 minutes before picking up a booked fare (the average time is 3 minutes).

    It’s worth noting at this point that, as well as being Mayor of London, Boris Johnson is also chair of TfL. This clearly puts him between a rock and a hard place, with some accusing him of supporting a black cab ‘cartel’.

    The fine line Johnson is walking can be seen in his Telegraph column, where he starts by defending ‘rampant, frothing, free-market Conservatives’ who ‘hate cartels’, referring to the TfL’s attempts to curb Uber practices and protect London cabbies.

    He goes on, however, to talk passionately about the professional black cab industry, by pointing out the distinction between private hire vehicles and hackney carriages, whose drivers must pass ‘the Knowledge’ before they are allowed to drive. Johnson then goes onto openly accuse Uber’s technology as facilitating law breaking:

    “You only have to consider the habits of many Uber minicabs – not all, but many – to see that this law is systematically broken; and that is because technology makes it so easy for it to be broken.”

    The ability for technological progress to constantly disrupt traditional industry is a historical fact not lost on Johnson. His calls seem to be for a balanced approach, where both parties can coexist; Uber as a convenient and cheap service and black cabs as a highly professionalised institution. Whether this is true intention is another question entirely.

     

  10. The Top Three Causes of a Motor Vehicle Breakdown (and how to Spot them)

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    Whether it’s happened to you or not, breaking down and getting stranded with your vehicle by the side of the road is everyone’s idea of a nightmare. Whilst it is strongly advisable to take out motor breakdown cover, it is possible to spot some problems before they occur.

    We’ve looked at what the experts say (including Which, the AA, the RAC and Green Flag) and summarised four of the top causes of motor vehicle breakdown as well as how to spot them.

    Flat Battery

    The number one culprit of all breakdowns (between 18% and 20% according to the experts), especially in the winter months, is a flat or faulty battery. Flat batteries are more common with vehicles that only take short journeys. This doesn’t allow the battery to properly charge properly, running it down faster. If this is you, then try to take your car for a longer drive every now again if possible. Also make sure the terminals are protected from corrosion with a layer of petroleum jelly or grease every time your car is serviced.

    How to spot: The engine may turn over more slowly and the red battery light on the dashboard may start to flicker.

    Lost Keys

    Although not technically a cause of a mechanical or electrical breakdown, lost keys are responsible, rather embarrassingly, for a huge number of callouts. There’s not really much more to say about this than keep a spare set and try not to lose them if you’re out. Car dealers will be able to order you a replacement set but this can take weeks.

    How to spot: A growing sense of panic, followed by that sinking feeling of knowing you’ve totally screwed up.

    Flat Tyre or Blowout

    The most common culprit for a blowout or flat is under inflating your tyres. This is easily avoidable simply by making sure you change them when necessary and making sure the tyre pressure is correct. Sometimes a flat is unavoidable if you hit debris in the road, so always make sure you carry a spare tyre with you as well as the means of fitting it, no matter how good a condition your tyres are in beforehand.

    How to spot: Sluggish steering and one tyre losing pressure faster than the others could be signs you have a slow puncture.

    Other Culprits

    These three causes of motor vehicle breakdown are just the tip of the iceberg when it comes to breakdown. Other major culprits include, faulty starter motors, alternators, distributor caps, spark plugs and fuel problems (using the wrong fuel). Most are avoidable by getting your car in for a regular service and checking things like tyre pressure oil levels yourself.

    For more info on what to do in case of a breakdown, the AA have produced this very useful guide.

    At DNA Insurance, most of our policies come with the option of breakdown cover. Call one of our team for more details on 08445 732 400.