mechanic-346254_1280

Thinking about Becoming a Motor Trader?

When you work in the motor trade, whether on a part time or full time basis, it’s your responsibility to ensure you have proper insurance. Working with customer vehicles means you need More »

london-taxis

Is Taxi Driving the Right Job for you?

If you can drive then you may have thought about becoming a taxi driver at one point or another. A lot of people consider driving a taxi at one point or another More »

Courier Van

Everything You Need to Know About Working as a Courier

Working as a courier is a job that holds a good amount of appeal to a lot of people. You have a freedom that you don’t have stuck behind a desk and More »

freeimages.co.uk techonology images

Insuring Your Business Vehicles the Smart Way  

If you run a business that relies on the use of multiple vehicles then you want to go about insuring them in the right way. Whether you run a taxi firm, haulage More »

Thinking about Becoming a Motor Trader?

mechanic-346254_1280

When you work in the motor trade, whether on a part time or full time basis, it’s your responsibility to ensure you have proper insurance. Working with customer vehicles means you need to a get a special type of cover known as motor trade insurance.

There are many providers of motor trade insurance so finding a competitive quote won’t be too much of a challenge. Before looking for quotes though, it’s a good idea to have a look through the information in this guide so you can make a fully informed decision.

Types of cover

  • Third party – Third party cover is the minimum level of insurance you need to be able to work on customer vehicles and move them around. It provides basic protection but isn’t always enough for every type of business.
  • Third party, fire and theft – You can make a third party policy safe by adding fire and theft to it. This is very useful for businesses where customer vehicles might be at greater risk.
  • Comprehensive – A comprehensive policy will enable you and your staff to drive customer vehicles and be covered for all types of collisions. This type of insurance is recommended wherever possible.
  • Combined – A combined policy will provide cover for not only vehicles but also your premises, tools, cash and assets. It’s an excellent type of cover for those who work in the motor trade since everything is protected under one easy-to-manage policy.
  • Part time – If you only work in the motor trade on a part time basis then you can get a part time policy to cover you only for the period of time that you’re active.

Requirements for eligibility

Not everyone is eligible to apply for motor trade insurance. In order to meet the minimum requirements you must –

Be at least 21 years of age

Ways to save money

  • Make your premises secure – One of the best ways to save money on motor trade insurance is to make your premises as secure as possible to cut down on the risk of break ins and vandalism. Installing alarms and CCTV cameras is a must and will go a long way to reducing the cost of your policy.
  • Pay annually – Paying annually rather than monthly is another good way to save money on motor trade insurance. When you do pay annually, make sure that your haggle to get the best deal possible from your insurance provider.
  • Increase your excess – This might seem like a somewhat risky way to keep the cost of your premium down but it is effective. By agreeing to pay more in the event that you need to make a claim, you can cut down the upfront costs.
  • Shop around – Getting quotes from different insurance providers is one of the best ways to save money on motor trade insurance. Getting quotes from several insurers will enable you to choose the best policy possible.

Is Taxi Driving the Right Job for you?

london-taxis

If you can drive then you may have thought about becoming a taxi driver at one point or another. A lot of people consider driving a taxi at one point or another but a lot fewer actually look into it seriously.

If you’re currently considering becoming a taxi driver then below are some of the main pros and cons as well as the necessary requirements for becoming licenced in the UK.

Pros

  • Regular work – Once you’re licensed and on the road, finding regular fares isn’t too much of a challenge, especially if you work for a minicab firm. If you do work as a minicab rather than taxi driver then you should know that you cannot pick up fares off the street.
  • Meeting new people – If you’re a people person then taxi driving is a job where you’ll meet new people all the time. The people you meet will be from all walks of life so it’s a great way to expand your horizons and learn more about people generally.
  • You’re not stuck behind a desk – This is a big pro since a lot of jobs in the modern world require you to be sat a desk for 8+ hours a day.

Cons

  • Can be dangerous – One of the biggest downsides of driving a taxi is the potential dangerous. Inebriated passengers can be particularly troublesome and it’s not too uncommon for taxi drivers to be attacked on the job.
  • Non-paying passengers – There are times when every taxi driver has to deal with non-paying passengers and unfortunately there’s not a lot you can do about it at the time. Fortunately, the growing number of taxi apps where the fare is paid in advance, are helping to combat this problem.
  • Stress – There’s no denying that driving a taxi can be very stressful at times, particularly if you’re working in a large built-up city like London. This is part of the job and cannot be avoided so it’s definitely something to think about.
  • Insurance and running costs – Running a taxi can become quite expensive and cut into your earnings significantly. Being on the road all day dramatically increases your chances of being involved in an accident and the fuel costs are predictably high too. Getting a good taxi insurance policy that includes cover for accidents, breakdowns and liability claims is a must.

Requirements

In order to get apply for an operator’s licence to drive a taxi you don’t need any special qualifications, although there are minimum requirements you must meet. These can vary but usually include the following –

  • Have held a full UK driving licence for a minimum of 12 months (3 years in London)
  • You must pass a criminal record check
  • You must pass a medical
  • Be at least 21 years of age (over 18 in some areas)
  • You must past a geographical test
  • You must complete a driving skills assessment
  • You must be a full UK or EU citizen (or have the right to work in the UK)
  • You will need to apply for a private hire or public hire licence

You can find further information from the UK government careers site at https://nationalcareersservice.direct.gov.uk/job-profiles/taxi-driver.

 

Everything You Need to Know About Working as a Courier

Courier Van

Working as a courier is a job that holds a good amount of appeal to a lot of people. You have a freedom that you don’t have stuck behind a desk and as long as you’re prepared to put in a decent amount of hours, then the pay is very respectable.

If you’ve ever considered becoming a courier then you should find the information below very valuable. It covers everything from the skills you need to the pay and working hours. Lastly is a section on courier insurance.

Required skills

Below are some of the skills you must have in order to work as a courier –

  • The ability to drive to a competent level, including the ability to find new addresses
  • A friendly demeanour
  • Good mental and physical health
  • Your own vehicle (ideally a van)
  • A driving licence and good driving record
  • You should ideally enjoy driving and interacting with people

Pay

The pay that you can expect to get as a courier will depend on numerous factors, including the company you work for, the area of the country you live in and your experience in the job.

For full time hours, the salary for a courier is approximately £12,000. This goes up to £20,000 for experienced couriers. As you might expect, working in London as a courier enables you to earn more money, with motorcycle couriers earning up to £23,000 per year.

Working hours

The full time working hours for a courier are much the same as any other job i.e. 30 to 40 hours per week. The good thing about working as a courier is that there are often extra shifts available at the weekend if you want to earn more money.

You also have the option to work freelance as a courier and pick up your own jobs. However for new couriers, it’s usually better to gain some experience working for a company before you go out on your own and start looking for freelance work.

What a day in the life of a courier looks like

Although the job might seem fairly self-explanatory, it’s always useful to know exactly what a typical day looks like as a courier before you make the plunge. Below are some of the basic tasks you’ll carry out every day –

  • Collect packages and delivery addresses from the depot
  • Plan out the best routes and organise the parcels into dropping off order
  • Sign for any packages you pick up and collect signatures from customers when delivering packages
  • Keeping track of paperwork as you go

Insurance

When you work as a courier, you’ll often need to arrange your own insurance (vehicle and goods in transit cover), especially if you’re working freelance and not using a company vehicle.

There are many courier insurance providers who specialise in providing cover for those who work in the industry. A typical courier insurance policy will include protection for collisions as well as the packages you’re transporting and public liability cover. Always be sure to get more than one quote so you can make sure you get a good deal.

Insuring Your Business Vehicles the Smart Way  

freeimages.co.uk techonology images

If you run a business that relies on the use of multiple vehicles then you want to go about insuring them in the right way. Whether you run a taxi firm, haulage business, courier or any other type of business that makes use of several different vehicles – you’ll need to make sure they are properly insured for all risks.

If you’re currently insuring your vehicles on separate policies then you are missing out on the benefits of insuring them as a fleet. Fleet insurance is specially designed for businesses and individuals that have multiple vehicles that need to be insured.

Whether you have less than a dozen vehicles, or a large fleet – fleet insurance provides some unique benefits that you should be aware of.

The benefits of fleet insurance

  • Save time – One of the big benefits of insuring your vehicles as a fleet is that it helps save a lot of time compared to getting individual quotes. Another great thing about fleet insurance is that you can easily add any new vehicles that come into your possession onto the policy as and when you need.
  • Save money – Saving money is one of the biggest reasons to get a fleet insurance policy. When you insure your vehicles together you can usually save a significant amount of money. Insurance providers will take several factors into account when calculating the cost of a policy, including the number of vehicles being insured, the value of the vehicles and the driving history and experience of the drivers.
  • Insure different types of vehicles – Another significant benefit of fleet insurance is that you’re able to insure different types of vehicles together on the same policy. For example, if you have a mix of cars and vans that need to be insured then this is not a problem.

Keeping costs down

Below are some of the best ways to keep the cost of a multi vehicle insurance policy to a minimum.

  • Make vehicles secure – Making your vehicles secure is always important when you want to keep the cost of insurance down. Securing your vehicles reduces the chance of theft and vandalism and therefore means you’re less likely to make a claim. As a result the price you’re quoted by insurance providers will be significantly lower.
  • Hire selectively – Being selective with the drivers you hire is extremely important when it comes to insurance. Hiring drivers with little experience or poor driving histories will certainly raise the cost of your insurance significantly since it makes claims much more likely. This is why a lot of companies won’t hire drivers under the age of 25.
  • Get multiple quotes – One of the most reliable ways to save money on fleet insurance is to get quotes from several different providers. Getting multiple quotes means you can easily compare them and pick the one that offers the best value for money. With so many insurance comparison services out there, getting fleet insurance quotes is now easier than ever so there’s no excuse not to do this.

5 Tips For New Landlords

keys

Letting property can be a very profitable venture, however it’s not without its drawbacks.

If you’re completely new to letting property then there are certain things you need to be aware of in order to make it a worthwhile way to make a living.

With this in mind, below are 5 key tips for new landlords.

 

1. Make sure you have the time

time

This is extremely important. Many new landlords underestimate the amount of time that’s required to let a property. Even if you just have one property that you’re letting, you might find that you’re unable to do it while also working another full time job. You should think very carefully before investing in more property unless you’re certain that you can dedicate yourself to it fully and make it a success.

2. Get the right cover

When you own property that you’re leasing to tenants, it’s absolutely vital that you have the right cover in place. Landlord insurance is a must since it will cover you for all the risks associated with letting property, including building insurance, liability claims, rent guarantee and contents cover. You can tailor a landlord insurance policy to meet your exact needs.

3. Try to keep your properties occupied at all times

It can be tempting to set your rent prices high and wait until the perfect tenants come along but there is an inherent risk in this approach. This is because unoccupied property is at much greater risk of being broken into and vanalised as well as attracting squatters. For this reason you should try to keep any property you own occupied whenever possible.

If you do have properties that are unoccupied then you need to get them covered with vacant property insurance. 

4. Be selective with your tenants

One of the best ways to avoid problems as a new landlord is by being as selective as possible with your tenants. It’s never a bad idea to go through an agency, who will do all the necessary checks on any tenants you’re considering. You shouldn’t rely on background checks alone though since they only tell you so much. Always be sure to meet with any potential tenants yourself so you can make a fully informed decision.

5. Make sure you have a proper tenancy agreement in place

tenancy

Being selective with tenants is a great way to avoid problems further down the line but it’s just the first step. Things can go wrong even with good tenants. You also have to make sure that you protect yourself with a proper tenancy agreement.

It’s a very good idea to familiarise yourself with landlord law as much as you can when letting property.

 

6 Tips When Changing Career Path

direction-255294_960_720

It’s very easy to find your self stuck in a rut when it comes to your career. Many of us would like to do something we’re more passionate about for a living but real life gets in the way.

If you are thinking of changing your career then below are 6 tips to help you make the right choices.

 

1. Find something you’re passionate about

When most people make a conscious decision to change their career it’s because they are no longer fulfilled by their current work and want to do something they’re more passionate about. Therefore in order to find a career that you’re going to be happy with you want to think about what it is you’re passionate about and try to find a way that you can make money from it.

2. Do you research

If you already have a good idea about what it is you want to do then you should research your new career thoroughly. Find out about what skills you’ll need, what the employment opportunities are like and what the average salary is.

3. Acquire useful skills

board-597190_960_720

If your new career path is drastically different to what you’re currently doing then it’s likely you’ll need to acquire some new skills. The skills you need will of course depend on what it is you want to do. Fortunately there are now an abundance of great resources available online for learning new skills, whether it’s writing, coding, graphic design etc. If you have transferable skills that you’ll be able to use in your new career then all the better.

4. Think about the work environment

Nobody knows your own personality better than you so you should think not just about the type of job you want to do but also the environment you want to work in. If you get bored easily and don’t like being sat a desk all day, then a driving job might be perfect for you. There are countless jobs you can do in the driving/motor industry, from deliveries to truck driving or even buying and selling vehicles.

5. Will you need training?

Some careers require very specific training for you to able to do them. You should out what training is required in order to be able to break into the industry you’re considering. In some cases you might find that the amount of training required is restrictive, either due to cost or the time investment, so it’s always a good idea to find out this information upfront.

6. Start networking with the right people

young_chamber_networking_function

When trying to forge a new career path, it’s extremely useful to know the right people who are already established in the industry. Social media makes this easier than ever to do. LinkedIn is a great social network for meeting influential people in a new industry. Get as much advice as you can from these people and try to make yourself as useful to them as possible. You never know where a career opportunity might come from.

 

Great Interview Tips That Lead to Job Offers

Why not take some advice to help you perform to the best of your potential at an interview?

These great interview tips will help even the most inexperienced interviewees to shine when it matters:

graphic-design-interview-tips1

Some other great tips can be found at https://www.prospects.ac.uk/careers-advice/interview-tips.