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Posts Tagged ‘Important’

What is Duty of Care and Why is Managing Road Risk so Important for Business Fleets?

Friday, September 10th, 2010
Road risks insurance
by Renegade98

What is Duty of Care and Why is Managing Road Risk so Important for Business Fleets?

The facts

• Every week in the UK over 20 people are killed and 250 seriously injured in “at-work” road traffic

accidents (RoSPA). According to the government, “for the majority of people, the most dangerous

thing they do while at work is drive on the public highway” (HSE)

Legal responsibilities

• Under The Health and Safety at Work Act 1974, employers are instructed of their “duty to ensure so far as is reasonably practicable the health, safety and welfare at work of all employees”

Employer duty of care is reinforced by the corporate manslaughter offence under which companies can be prosecuted for deaths to drivers and other road users caused as a result of a work related journeys where negligence is proven

Corporate Social Responsibility (CSR)

• Road accidents result in awful human losses for families, friends and colleagues of drivers,

passengers and other road users and have a negative impact on the wider community

• Accidents, congestion and poor driving exacerbate the environmental impact of running fleets

Financial benefits

Better driving should lead to:

• Fewer accidents, with reduced repair costs and/or insurance premiums

• Lower fuel consumption

• Reduced maintenance costs, especially tyres and brakes

• Improved vehicle condition and performance at sale and/or reduced damage recharges

• Less vehicle rental expenditure

Typically fleets can expect a 15-20% reduction in fleet costs in the first year following the implementation of a risk management program.

Business advantages

Fewer accidents mean:

• Fewer lost business opportunities, deliveries, loads, customer complaints, etc.

• Less usage of temporary contract staff or overtime to cover staff absences

• Reduced risk of prosecution

• Less time spent on non-revenue generating activity e.g. accident related admin, investigation, etc

• Improved staff morale

• All of which also carry, albeit possibly less tangible, financial benefits

• Improved environmental and CSR record

• Potentially positive (and perhaps more importantly

avoidance of negative) PR

Arval specialises in fuel cards and contract hire.

Find More Road Risks Insurance Articles

Pet Insurance Vpi – Insuring Your Pet – Why Is It Important?

Thursday, September 9th, 2010
pet insurance
by humanesocietyoftheunitedstates

Pet Insurance Vpi – Insuring Your Pet – Why Is It Important?

Pet lovers know that their pets are an integral part of their lives and their families. Holidays and family outings are made more memorable when we take our pets along for company. It therefore becomes very painful if our pet falls ill, breaks any of its bones or needs constant medical supervision due to an illness like cancer. As the pet owner, the responsibility falls on us to get the best veterinary care and bear the costs associated with the treatments.

Advancements in veterinary science have made all kinds of treatments possible to cure your pets. At the same time this technology demands compensation in the form of thousands of dollars. In such a situation what you need is pet insurance. Pet insurance guarantees that the medical expenses incurred on your pets is met by the insurance company partly or in whole. Some pet insurance policies also cover annual pet checkups and immunizations. It all depends on the type of policy you select. Insurance costs can begin as low as with incident costs being in the range of around .

The top reasons to go in for pet insurance are:

• Bears the cost of medical expenses – Needless to say, that this is the primary objective of pet insurance. You have insurance to fall back on when you take your pet to the vet. All pet insurance policies can be used at any registered vet’s clinic. So you need not compromise by taking your pet to any clinic. You can visit your own vet and be at peace.

• Insuring multiple pets – Most pet insurance companies give you a discount if you have more than one pet and give you a package insurance deal. This not only brings down the cost of maintaining and taking care of your pets but also saves you thousands of dollars in pet medical expenses

• Taking care of tomorrow – As time passes, your pet becomes older and prone to more illnesses. Pet insurance comes handy in such a situation. Getting your pet insured when it is very young ensures coverage for accidents and diseases which may occur at a later stage.

• Inflation shield – Pet insurance acts as a shield due to rising prices in the economy. Medical expenses which may seem affordable now will look enormous after a couple of years. The years gone by will also bring your pet closer to you and you would not want to lose it when it is ill and old just because you cannot meet its medical expenses.

• Peace of mind – Pet insurance gives you the peace you always sought when you bought your first pet and wondered how you will deal with any medical emergencies that may arise when your pet needs medical care or taking care of the vaccinations and checkups. Pet insurance makes having a pet more affordable and truly keeps your pet protected for a rainy day.
So if you are one of those pet owners who really love your pet and want to take care of them till the very end, pet insurance is an attractive and affordable solution.

Pet Insurance 101 writes about VPI for Cat Insurance, Dog Insurance and all Veterinary Pet Insurance. If you’re looking for Affordable Pet Insurance or Cheap Pet Insurance, Pet Insurance 101 has it all.”