Will a drug driving conviction make car insurance more expensive?
In a word yes. Drug driving convictions that are unspent must be declared if you’re asked about them and in this case it will almost certainly make getting car insurance more expensive. The reason for this is that insurance providers consider people who have a conviction to be higher risk and more likely to make a claim.
Do I have to tell insurance providers about my conviction?
Whether or not you need to tell insurance providers about your drug driving conviction will depend on whether your conviction is spent or unspent. Most convictions become spent after a certain amount of time, meaning you no longer have to declare them. Visit the Unlock Criminal Record Disclosure Calculator to find out when your conviction will become spent.
Where can I get quotes?
There are many sites where you can get drug driving insurance quotes online. It’s usually a good idea to get quotes from specialist providers since you’ll be offered a policy at a reasonable price considering your circumstances and the severity of your conviction.
What are the best ways to save money?
Some good ways to save money when you have a drug driving conviction are –
- Pay upfront – Making a payment to cover a year of your policy when you first take it out might not sound too appealing since you’ll have to make a fairly substantial payment. However the advantage to this is that most insurance providers will knock a good bit off the overall price. This isn’t affordable for everyone but it is a good way to make a saving.
- Make your vehicle secure – Any steps you can take to make your vehicle more secure, such as installing an alarm and immobiliser, will have to reduce the cost of your cover. Having someone secure to park your car when it’s not in use will help a lot too.
- Get a third party policy – Third party policies work out cheaper than comprehensive cover since they only cover other motorists’ vehicles if you’re involved in an accident. If you want to keep costs down while getting more protection for your own vehicle then you can get a third party, fire and theft policy.
- Get a lot of quotes – Getting quotes from a lot of insurance providers is another good way to save money since you’ll be able to easily compare them and pick the best one.
Some taxi firms are reluctant to make the switch to electric vehicles but with more innovation in the field of electric vehicle development all the time, it seems as though it’s just a matter of time before the majority of taxi firms go electric.
Below are some of the biggest benefits of investing in electric vehicles for taxi firms.
Great for marketing
With electric cars being so much better for the environment, they provide an excellent way to market a taxi firm by pushing this benefit. In addition to this, electric cars also provide a smooth, silent ride so overall they are an excellent way for a taxi firm to differentiate themselves from the competition.
Cut down fuel costs
Another big benefit of switching to electric vehicles is that it enables you to cut down on fuel costs. Fuel costs are one of the biggest expenses with regular petrol and diesel vehicles so the savings from switching to electric are significant.
Cheaper to insure
Because electric vehicles are generally safer than petrol/diesel vehicles, they’re also cheaper to insure. This is especially useful if you have many different vehicle types that you need to insure together under a fleet policy.
Most taxi firms will have at least a couple of minibuses and traditional minibus insurance can be expensive. Luckily there are now electric minibuses that are on the horizon so that’s another area where savings can be made.
Cheaper to maintain
Because electric cars are much simpler than cars that run on fossil fuels, they’re much simpler to maintain and suffer from fewer serious problems. This is a huge benefit for taxi firms and helps to save money.
Range improving all the time
Another reason to consider investing in electric vehicles for taxi firms is that the range of electric vehicles is constantly improving. It’s not unusual now for electric cars to do 100+ miles on a single charge. This makes them much more practical for use by taxi firms.
It seems like electric vehicles are in the news now more than ever. The technology is finally breaking into the mainstream and with incredibly popular models such as the Renault Zoe now proving that electric cars can have mainstream appeal, it seems like it’s just a matter of time before EVs takeover.
Whilst there’s no doubt that electric cars will continue to grow in popularity, the same cannot yet be said for vans. Although there are signs that electric vans could make a breakthrough, they’re yet to really break out in the same way that electric cars are.
Below are some of the main pros and cons of electric vans.
- Better for the environment – Of course a huge benefit of electric vans is that they’re much better for the environment. Many vans in the UK currently run on diesel, which is very harmful to the environment. If the majority of the vans in the UK were replaced by electric vehicles then it would have a huge positive impact on the environment. Electric vans are also great PR, which makes them a great choice for businesses trying to differentiate themselves.
- Cheaper to insure – Truck insurance is something people are always looking to cut down the cost of. Generally electric vehicles are cheaper to insure since they’re less powerful and therefore less likely to be involved in collisions. This is a big pro, especially for companies with a fleet of vans that need to be insured.
- Cheap to run – Another big benefit of electric vans is that they’re much cheaper to run. A full electric charge only costs a fraction of what filling a tank with diesel does. This makes them much more economical in the long run.
- Initial investment – One drawback of electric vans is that initial investment you have to make to buy them. This isn’t too much of an issue if you’re buying one vehicle, particularly if you have a van you can part exchange. However for companies with a fleet, the investment of switching to electric vans might not be one they want to make.
- Limited availability – Another drawback of electric vans is that they’re simply aren’t many of them available, certainly not compared to standard diesel vans. This means there’s less choice for buyers.
The majority of taxi firms still use vehicles that run on non-renewable fuel sources that are bad for the environment. Although there are a greater choice of petrol and diesel cars available and it’s easier to find petrol stations then electric charging points; there are some compelling reasons to start using electric vehicles if you have a taxi firm.
Below are some of the biggest benefits of electric cars and why you should consider them for your taxi firm.
1. Cheaper maintenance
Because electric vehicles have much fewer moving parts, they are much cheaper to maintain. Although electric batteries do eventually need to be replaced, most of them are under warranty for 8 years so when you compare the maintenance costs of an electric car to a standard petrol car, the maintenance costs are tiny.
2. A smoother ride
Another big benefit of electric vehicles is that they provide a much smoother ride for your customers. This might not seem like a big thing but a taxi ride is more about just getting from A to B. If your customers find their experience with your company a pleasant one then they’re much likely to become regular bookers.
3. Cheaper insurance
Because electric vehicles are generally safe and require less maintenance, they are also cheaper to insure. When you have a fleet of electric vehicles, then taxi insurance will cost less compared to insuring petrol/diesel cars.
4. Good PR
One big benefit of using electric cars in your taxi firm that you might not see the immediate benefit from is good PR. Even people who are not actively involved in improving the environment and cutting down emissions realise that it’s a serious issue. If you’re able to show that your company is concerned with helping the environment by reducing pollution then it can be a great USP for your business that helps you stand out from the competition.
Electric cars are becoming more popular all the time, especially as more and more people realise the benefits. Many people who switch to electric vehicles say they wouldn’t want to go back to using a standard petrol car. This increase in popularity of electric vehicles is something you can take advantage of and use to help your business succeed.
If you run a business that relies on the use of cars then there’s a very good chance you currently have vehicles that run on petrol or diesel. Although most business owners don’t relish the thought of replacing their company cars, there are some very good reasons to consider investing in electric vehicles for your business.
The benefits of investing in electric vehicles
Below are some of the most compelling reasons to invest in electric cars for your business.
- Save money on fuel – One of the most obvious benefits of getting electric cars for your business is that you will save considerably on fuel costs. Not only do you save money on fuel with electric cars but it may also be possible to get a government grant to help with the initial cost of the vehicles as well as funding towards having charging points installed at your business.
- A better driving experience – Another great benefit of electric vehicles is that they provide a much smoother driving experience. This makes them great for businesses such as taxi firms.
- Lower the cost of insurance – Investing in electric vehicles is also an excellent way to save money on company fleet insurance. Electric cars are usually cheaper to insurance compared to standard petrol or diesel vehicles and when you have a whole fleet of cars to insure, the savings can be very substantial. If you’re currently looking for company fleet insurance then be sure to check out Cheap Fleet – a website that enables you to get quotes from a panel of company fleet insurance specialists.
Although there are benefits to investing in electric vehicles, there are some downsides too. These include –
- Limited range – The amount of miles you can do on a full charge with an electric car is low compared to what a petrol/diesel car can do on a full tank. However the range of electric cars is increasing all the time so this isn’t likely to be an issue for much longer.
- Limited choice – Although the number of available electric cars is increasing all the time, it would be a lie to say there is anywhere near the choice of petrol or diesel cars. This might necessarily be an issue depending on the type of business you run and what your needs are.
If you run a motor trade business then it’s important to think about how you can make your business more environmentally friendly. Making your business green is not only important for ethical reasons but the government is now very keen for UK businesses to take any steps possible to reduce carbon emissions.
Running a business in the motor trade comes with plenty of challenges as it is so you might be worried about adding the strain of making your business more environmentally friendly on top of that. However making your business more green doesn’t have to be difficult. There are some very simple things you can do to cut down your emissions. These include –
Use eco-friendly fuel
Fuel is one of the biggest culprits when it comes to greenhouse gases. Therefore one of the biggest steps you can take to make your business more environmentally friendly is by using eco-friendly fuel such as bio-diesel. Of course this isn’t possible for every motor trade business since it’s not always down to you what fuel goes into the vehicles you work with. However if you run a business where you are responsible for what fuel is used then this is an excellent way to make it more green.
Invest in hybrid and electric vehicles
Investing in hybrid and electric cars is an excellent way to make your business more environmentally friendly. Electric vehicles are much much better for the environment and most people find them to be very enjoyable to drive, thanks to the smooth handling and quiet driving experience.
Another big benefit of electric cars is that they’re often cheaper to insure, which will help to reduce the cost of your motor trade insurance. If you need to renew your motor trade insurance policy then be sure to check out http://www.traders-insurance.com/ to get quotes from specialist providers quickly and easily.
Reduce power consumption at your office
Getting away from vehicles that you deal with in your business – reducing power consumption in your office is another excellent way to make your business more green. Just small things such as turning lights off when a room isn’t being used can make a big difference. Another thing that’s very easy to do (but also very easy not to do) is to set any computers than aren’t being used to sleep after a few minutes.
If you have a passion for flowers and plants then running your own flower shop can be a great way to make a living. In order to be successful though, you need to have a practical approach as to what’s required to run a business properly.
Below are some of the keys to running a successful flower shop.
Finding a good property
Finding a good property is key for a flower shop. You want to ensure there’s a lot of good open space with plenty of natural light. You’ll also want to ensure there’s a good amount of space for storing stock and tools in the shop.
You’ll need to make the decision whether to rent or buy the property too. Most people prefer to rent to begin with. You can always decide to invest in the property later down the line when you’re sure you’re happy with it.
Finding a good location
Just as important as the building itself is the location. Ideally you want to find a location that is in a nice area but one that isn’t too remote. The majority of shops rely on a good amount of food traffic for business so this is definitely something you need to consider when choosing a location for your flower shop. Don’t be afraid to ask advice from other people when looking for a good location.
Getting the right type of insurance
Getting flower shop insurance quotes from specialist providers is a must when you have a flower shop. A good flower shop insurance policy will protect all aspects of your business. This means that not only will your building be protected for structural damage but you’ll also be covered for theft, vandalism, liability claims, business interruption and contents. This gives you full peace of mind when running your business.
When advertising your flower shop, it’s a good idea to use a combination of online and real world advertising methods. For example, social media platform such as Twitter, Facebook, Pinterest and Instagram are great free advertising platforms to reach new customers. However you shouldn’t neglect more traditional forms of advertising such as print ads and leaflets. Using the two together will give you the best results.
Many people who love nature and the environment, dream of owning a horse. Horses are not like regular pets though; they’re very expensive to buy and keep so it’s not always possible for the average person to have one.
If you are considering buying a horse then there are practical considerations you need to take into account. Below are some of the most important questions to ask yourself.
Can you afford it?
Horses are extremely expensive and there are plenty of on-going expenses of owning one. Below are some of the main expenses of owning a horse that you should be certain you can afford before taking the plunge –
- The initial cost of the horse –
- The required equipment i.e. saddle, leading rope, bridle etc.
- Feed & bedding
- Vet bills
Do you have the room?
If you’re planning to keep the horse on your own property then you’ll need to ensure that you have enough room. In addition to have a stable, you’ll also need to have a good sized field where the horse can exercise each day. It is possible to buy a horse that’s kept for you but then you have to take into account the livery fees, which can mount up quickly and in some cases cost up to £1000 per month
Do you have the time?
Some people mistakenly believe that horses mostly take care of themselves and don’t need much looking after. This couldn’t be further from the truth. Horses require daily care throughout the year so you should think about whether you’re able/willing to invest this much time.
It’s also worth considering the amount of care that a horse requires when it becomes older and is no longer rideable. It’s always worth having a plan in place for euthanasia or specialist care.
Are you planning to transport the horse regularly?
If you’re planning to transport for your horse regularly, for example to take it to horse shows, then you’ll need to have the proper transportation and insurance. Horseboxes are specially designed vehicles for transporting horses safely and securely. If you decide to invest in a horsebox then you’ll need to get a special type of horsebox insurance, from a site such as http://www.rwst.org.uk/
It would be nice to believe that you can leave your property unoccupied for an extended period of time without having to worry about it being broken into or vandalized. Unfortunately that is not the world we live in.
Unoccupied properties are at significantly greater risk of being targeted by burglars, vandals and even squatters, so you need to take the proper precautions if you want to keep it safe while you’re away. Below are 5 of the best ways to do this.
1. Hire a housesitter
Hiring a housesitter is one of the best ways to make your home more secure when it would otherwise be unoccupied. The internet has made it much easier to find a trustworthy housesitter so this is definitely something you should consider when leaving your home for a longer period of time.
2. Make the house look lived in
A big mistake that a lot of people make when they leave their property unoccupied is to turn all the lights off. This will make it clear to potential burglars that nobody is home and will make your house much more likely to be targeted. Simply leaving a few lights on will help to decrease the chance of your house being broken into significantly. You can get automatic switched devices that turn certain lights on and off in your house at intervals.
3. Get unoccupied property insurance
If you’re going to be away from the property for more than 30 days then you’ll need to get unoccupied property insurance. Many people make the mistake of assuming that their home insurance policy will cover them but this usually is not the case if the property is unoccupied for an extended period of time.
Therefore you’ll need to get unoccupied property insurance to property protect your home.
4. Have your post held
As well as having your post held, you should also cancel any regular deliveries for newspapers etc. There’s nothing that screams a property is unoccupied more than a build up of letters and parcels by the front door.
5. Have an alarm fitted
If you don’t already have a home security alarm then you should certainly invest in one if you’re planning to go away for an extended period of time. Often merely the sight of an alarm is enough to put would-be burglars off so it’s definitely worth the investment.
Green homes are homes that have been adapted or built to be environmentally-friendly. Unlike traditional homes, green homes prioritise a minimal use of resources and aim to derive power from natural sources.
Below are some of the biggest benefits of owning a green home –
- Better for your health – One of the great things about living in a home that doesn’t rely on fossil fuels for power is that it creates a much healthier atmosphere with better quality air to breath. This means green homes are especially good for people who are prone to respiratory problems.
- Great for the environment – Another obvious benefit of a green home is that it’s great for the environment. The burning of fossil fuels contributes greatly to the destruction of the ozone layer and the energy use in domestic properties is a big part of the problem. Because green homes make use of energy through natural sources, such as the sun, they’re much kinder to the environment.
- A great sense of well-being – It can seem like we’re constantly bombarded with stories about how much damage human beings are doing to the planet so it gives you a great sense of satisfaction to know that you’re not negatively contributing.
Things to consider when buying a green home
If you’re considering purchasing a green home then below are some of the main things to look out for.
- Subsidence – Some green homes can suffer from subsidence, especially if they’re nearby large trees and shrubs. If there is a risk of subsidence then you’ll need to get a subsidence insurance policy from a site such as Subsidence Insure.
- Location – The location of a green home is also very important. If you know what area you want to live in then it’s simply a matter of finding the green homes in that area and prioritising what’s most important to you. For example some people might prefer to live in a very natural environment with plenty of wildlife around, while others might want the best of both worlds and prefer there to be many modern amenities nearby.
- Value – The value of the home is important since it will affect the price you pay for home insurance and also the resale value of the property. It’s not a bad idea to get the property surveyed by a professional to ascertain its true value.
If you drive then you’ll know that the cost of insurance is higher than ever. The number of scams and the fact that there are now more drivers on the road than ever means that everyone is paying the price when it comes to insurance.
There are many reasons why motor insurance is so expensive in the UK and unfortunately it doesn’t look set to change anytime soon. However there are some excellent ways you can save money on minibus insurance. Below are some of the best –
Make your minibus secure
One of the best ways to save money on minibus insurance is to make your vehicle as secure as possible. Most modern minibuses will come with an alarm and immobilizer fitted as standard but you should also make the effort to take any extra measures you can to make your minibus more secure. Installing a tracking device is definitely a good idea – it will ensure that your vehicle can be easily recovered if it’s stolen.
Increase your excess
Excess is the amount of money you would pay if you had to make a claim. If you want to reduce the cost of your premium then, increasing your excess is a very reliable way to do this.
Get the right level of cover
The type of insurance you need for your minibus will depend on what you use it for. If you drive your minibus for non-profit organizations then you can get a charity minibus insurance policy that is much cheaper, providing you’re able to provide the right documentation.
You can get any type of minibus insurance policy by using an insurance comparison site such as https://www.cleangreencars.co.uk/
Get a limited mileage policy
If you only use your minibus on certain days of the week and it’s not your everyday vehicle then you can save money by getting a limited mileage policy. As the name would suggest – this is where you agree with your insurance provider to stay under a certain number of miles in a given period.
Get a lot of quotes
Getting quotes from many different providers is one of the best ways you can save money on minibus insurance. It will prevent you from overspending since you’re able to easily compare the quotes you get and pick the one that’s best.