With the festivities taking priority, its important not to forget about the little things.
Winter weather can be brutal to your car and it’s windscreen, so remember these quick tips to help prevent damage over the holidays.
Have you taken on a second job that involves working with vehicles in one way or another? If so, you could be eligible for a motor trade insurance policy especially for part time work. Whether you have a full time or part time job in the industry, you are still working as a part of the motor trade: if you are a car salesperson, selling a few cars a month, or a mechanic on the weekends, getting the right kind of insurance for your part time work will benefit you in the long run.
As your motor trade industry job is not your main role, a full time motor trade insurance policy isn’t the best fit for your situation. This doesn’t mean that with a part time insurance policy, you will get less cover than a full time contract. In fact, you will usually find that part time policies will give you the same benefits as full time premiums. Additionally, if a simple policy does not provide an adequate amount of cover for you, you can add extra cover onto your contract, such as demonstration cover or public liability cover.
When you are looking to start up a second job in the motor trade industry, one of the first things that you should do is set up a part time traders policy. Carry out plenty of research and find out which companies can tailor a policy to fit your specific needs to ensure that you don’t end up paying additional costs for cover that you will never need. The best option is to find an insurance provider that has experience in your trade and is familiar with the industry, as this means that you are likely to get a much better deal and you will be able to rely on their knowledge to get you the best and the correct amount of cover available to you.
Christmas is one of the most popular holidays, enjoyed by adult and child alike, but just because you’re out doing good deeds and enjoying the festivities, doesn’t mean everyone else is.
We fill our homes with valuable gifts and expensive gadgets for our family and friends, so its no surprise that burglars are on the prowl over the holidays.
Taking your driving test is one of the most nerve-wracking exams that you will ever do, so it comes as no shock that people worry so much about the test. All of the time and money spent on learning how to drive, and the pressure from others builds up and places a huge burden on your shoulders. The worst thing about it all is the knowledge that one small slip up could ruin the whole thing and put you right back to square one.
To help you avoid this, we have put together our top tips for passing your driving test.
Take it slow. When you start learning to drive, you’ll be keen to get your license as soon as possible, and with friends and family telling you how quickly they passed their tests, you will be expecting to do it a lot quicker than you need to. However, if you take the time to get it right, and don’t put unnecessary pressure on yourself, you have a better chance of passing your test on the first go.
Get to grips with the basics. Learning how to manage the basics of the controls, with a queue of traffic behind you is only going to put more pressure on you, not only making you feel nervous, but forcing you to make mistakes because you’re in a rush to act. Instead, invest some time with a friend or family member to learn the basics on some private land. This way, you can practice getting the bite with the clutch, steering and getting used to the other controls of the car in your own time. Additionally, you won’t be wasting valuable lesson time (and money) repeating the basics of driving.
Do your homework. Making use of the resources available to you will undoubtably help you not only for your driving tests, but to simply understand what’s actually going on out on the roads. In addition, the more that you understand, the less that you will have to go through in your lessons. Lessons are expensive, and often the first 10 to 15 minutes are spent refreshing your memory of what you were learning in your previous lesson. Therefore, if you study up after every lesson, you have more time to practice your driving with your instructor.
Always ask. People take to driving differently. Some will struggle with clutch control, others don’t easily grasp maneuvers. Your driving instructor is there to help you, so if you feel that you need extra time spent on a particular area, ask. They will help you until you nail it, and they may even be able to offer different methods or techniques to make it easier for you.
Don’t stick to the test route. There is no point in only learning to drive around your test centre, because while you may pass your test with flying colours, you will not be prepared for the different types of road that you will encounter for the rest of your life. It is important to be comfortable on all kinds of road at various speeds so that when the time comes, you are not afraid to drive your car properly.
Don’t pay attention to the rumours. Listening to the horror stories of other people’s driving tests is only going to make you worry more. More often than not, people only talk about the details of their tests when they have failed. So don’t spend time focusing on other people’s mistakes, and instead focus on how to improve your driving so that you pass your test first time.
Do a mock test. Once you are nearing the stage of taking your test, it is wise to do a few mock tests to get an idea of how independent you are on the road. Doing a mock test with a different instructor will not only demonstrate whether you can drive independently, but it will additionally give you practice at driving with a stranger. It avoids costly and, sometimes basic mistakes.
Practice, practice, practice. Lessons cost a lot of money, and a key element of driving is experience. Therefore, it is important that you practice outside of lessons with a family member or friend as much as possible. To avoid confusion, and mixed information, it is important that the information you are getting is the same from both your instructor and your volunteering instructor. Ensure that your supervisor does their homework before getting in the car with you, and it may also be an idea to have them check in with you driving instructor for any additional advise or suggestions.
Keep it on the ‘down low’. Warning everyone that you’re about to take your test only puts more pressure on you, which you most definitely do not need when it comes to taking your exam. Keeping the people in the know to a select few will benefit you, as you will not be worried about the amount of people you have to tell should you fail, allowing you to focus all your attention on passing your test.
Drive in as many conditions as possible. If you can, try to schedule your lessons at different times of the day. There are so many conditions that you need to be familiar with, and your test could occur in any one (or more) of these conditions, whether it is night time, rainy, frosty or in the middle of rush our. So ensure that you keep practicing to increase your experience so that come rain or shine, you are comfortable driving in different conditions when it comes to taking your test.
If you have passed your driving test and you need car insurance, get in touch with the Think Insurance Team for a competitive quote.
A question that we often get asked is: “Will I be covered on my motor trade insurance policy to carry out my other occupation?” We thought that we would settle this matter. Whether you are an accountant or you work in construction, you ‘can’ be covered on a trade premium.
While you can be covered, it is a common misconception that you will automatically be insured for this without paying for an additional premium or at least requesting it from your provider first. The type of insurance policy that you will need to look into is ‘Additional Business Use’ which insures you for travelling to and from different places in relation to your primary or secondary occupation. This policy is not applicable to those that just need to go to and from one place, such as an office worker.
If you try to get away without the insurance cover on your policy then you may run into some potentially serious issues. If you happen to be stopped by the police whilst carrying tools for work in your van, then they are likely to ring your insurance company. Once the insurance company has confirmed that you are not sufficiently insured, you will likely be taken to court, receive a fine and six points on your license. In more extreme cases, like having to make a claim due to an accident, you may find that your policy will be voided due to your non-compliance and you will have to pay for all damages yourself.
Making these risks even less worth taking, is the fact that additional business use insurance can be added to your policy from as little as 5% of your overall premium. There isn’t really a question when it comes to additional business use, given its amazing value for money and the risks that you take should you decide not to purchase it.
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