Digital Driver Database Replaces Paper License

Digital Driver Database Replaces Paper License

As of the beginning of this week, 8th June 2015, UK driving license rules changed. The paper counterpart that accompanied your photocard license is no longer a valid document.

Now, any new licenses issued will be made up of the existing photocard, which was introduced to conform with the rest of the EU. But instead of the old paper part that accompanied it, you now have your very own digital driving database!

All of your driving history is now online as part of the MyLicense scheme. Like the old paper part, your database includes any details that the DVLA can’t fit on the credit card-sized photocard part of your license.

Free access assuages the naysayers

The initial reaction of most business owners to the change was, perhaps understandably, negative.

They’d use the paper counterpart of a license for many elements of managing their fleet. From hiring drivers and fleet vehicles to checking points to see what impact a driver’s history would have on insurance, the information on the old documents was vital.

But opinions change. And, to be fair, this new way for drivers to manage and share their details is quite ingenious. For a start, access to your My License information is free.

Anyone who’s misplaced their paper counterpart in the past and had to fork out £20 for a replacement will appreciate that, at least.

No one to blame but yourself

In addition, drivers will now have no way of covering up their past misdemeanours. The benefit to safe drivers is potentially immense.

Imagine if you’re hiring a van, for a removal, a trip to the continent or a minibus for a group excursion. Theoretically, the hire company can actually base the rate of insurance you pay on your own record.

It’s possible that the days of paying generic, over-the-odds premiums to compensate for bad drivers’ cover are nearing an end.

Sharing your driving history is a doddle

This is how the new system works for sharing your info.

You log into your MyLicense account on the DVLA website. Whilst you’re in there, you can generate a code, called a license check code, for a third party to access that information. Only you can authorise this code.

What’s more, the third party can only use it once. And then they have to use it within three days. Once the code’s been used or 72 hours has passed, the code you’ve generated will become null and void.

When they’re in your database, they don’t have access to all of your data. They’ll only be able to see:

  • the types of vehicle your licence permits you to drive;
  • penalty points and/or disqualifications you’ve accrued;
  • your full name as it appears on your driving license;
  • the last 8 digits of your driving license.

As your photocard contains an image of you as well as the license number, the new facility means no one can use your information other than you.

Now, when you give vehicle hire companies a snapshot of your driving history, there’s no doubt about the validity of your information.

MyLicense: more than your job’s worth?

You can share these details with your employer, too. If your driving record is impeccable, the MyLicense facility could be the difference between you and another getting the dream driving job.

The benefit for fleet managers is therefore immense. Potential employees now have no way of covering up an imperfect driving record.

And rather than having to wait for an employee to bring in their counterpart from home, just give them access to the internet. They can generate a license check code in an instant. You can then log on to the check code portal and garner the information you need first hand.

General Abolition of the Counterpart Infographic

Job losses, awards and break-neck speeds; this is a rollercoaster ride

Much has been made of the shocking accident on an Alton Towers’ roller-coaster ride this week. Our reflection on the week’s van industry news likewise has its ups and downs:

  1. Go skippy, a Bristol-based automobile insurance firm, is shipping 150 jobs to South Africa;
  2. Worcester CC maps an award to street information;
  3. an unlicensed, uninsured driver escaped jail after crashing the car he was driving into a Peugeot Boxer.

Van insurance firm enters “period of consultation”

BRISTOL, Monday 1st June, 2015: Staff at a Bristol-based insurance firm have been left gutted by their employers. Upon turning in for work as usual, they were called into an extraordinary meeting.

The company’s founder told the workforce there and then that Go Skippy, the vehicle insurance brand for Eldon Insurance, was trialling running their operations from Africa.

All but a few of the 150-strong workforce, built up from a base of 60 employees when the company launched two years ago, are facing a jobless summer.

Whilst the firm is in “consultation”, the founder Thornbury Arron Banks has placed his workforce on garden leave for a month and a half.

Many of the staff who’ve been with the company since its inception are amongst those in the “significantly reduce[d]” workforce.

Poor results from last year’s business were cited as the reason for the bulk shipping of the jobs to Africa.

35-yr old left with broken neck after A2 collision

CANTERBURY, 3rd June, 2015: a 40-year old has been banned from driving for a year and fined £1,000 for careless driving.

Matthew McShane, then from Gravesend, was driving his in-law’s Seat Leon in treacherous conditions when he careered into a Peugeot Boxer van, sending it into a ditch.

The weather conditions were so bad, there were no actual witnesses to the crash itself, which happened on the A2 near Canterbury in February of last year. That lack of witnesses saw McShane escape jail, the ban and fine his only punishment.

For the driver of the ill-fated Boxer, Christopher Skinner, it was a different story. He was left with multiple injuries, including a broken neck as well as fracturing two ribs and his sternum.

He’s only just returned to work, needing 15-months’ recuperation to recover from the incident. The punishment hardly fits the crime, with the guilty driver since having set up a tattoo parlour in Cornwall.

Worcestershire CC Pick Up Prestigious Gold Award

EDGBASTON, 19th May, 2015: let’s finish with some good news!
On Tuesday 19th May, Worcestershire County Council won the Gold Performance Award for the data it produces and maintains about its street-mapping.

Every van driver will know how critical taking the correct route is to getting to site on time. And it’s information collated by the councils, which it then incorporates into all sorts of subsets of other data, that make coherent maps.

At first glance, you may think keeping street data up-to-date is simple task. But when you read the DoT‘s Delivering the next generation of road mapping for England and Wales document, you’ll see that it’s anything but.

Good roads and less mileage all reduce the wear and tear and even insurance premiums for the UK’s commercial drivers. Congratulations to Worcestershire CC, and let’s hope others follow suit!

Ice, rain and a torrent of arrests in this week’s van news round-up

First up this week, we’re reporting on something that’s going to happen. According to newsshopper, London is due to suffer torrential rain next week.

The like of the downpour forecast we’ve not seen since a guy named Noah got his three sons to build him a floating menagerie. So if you’re intent on driving around the capital in your four-by-four in the middle of next week (how we’ve evolved since the 2×2 of biblical times), here’s a handy guide on business car manager of how to drive in the rain.

The guide, delivered by the Institute of Advanced Motorist’s Kiran Devgun, is pretty much common sense. It covers what van drivers should be doing:

  • before getting in the vehicle, know what your schedule is; fail to plan, plan to fail;
  • don’t expect, inspect; check your vehicle, especially if you’re taking the reins from a.n.other;
  • sat navs don’t come insight from Michael Fish; plan your route to avoid flooding hazards;
  • I’ve seen the light! Great on the road to Damascus, not so good for dazzling drivers or your own visibility;
  • More haste, less speed – take your time in the rain;
  • Break it down; hammertime; be prepared for a breakdown with the right tools and your AA/Green Flag/RAC membership/phone number in your fully-charged smartphone.

With the guide entitled Wet, Wet, Wet, we’re just hoping that Londoners aren’t literally Holding Back the River come Wednesday evening.

Yorkshire hotspot uncovers a myriad of offences

On Tuesday night, North Yorks police stopped 127 vehicles in a crackdown on motoring offences. The night, dubbed Operation Checkpoint, was full of surprises.

The list of traffic offences for which official reports were issued on the night were:

  • driving without insurance;
  • unroadworthy tyres;
  • driving without MOT;
  • using a mobile phone whilst in control of a vehicle.

They’re your standard fare motoring offences, even if you don’t expect the police to issue a dozen reports in one planned evening of scaled manoeuvres.

But the icing on the cake for the Met was the apprehension and apparent prevention of a crime.

They stopped one van that was filled with specialised equipment. Upon closer inspection, the gear was typically used by burglars.

The two men in the van were arrested and detained in custody by the North Yorkshire constabulary, rounding off a successful night in the fight against motoring crime.

Pensioner sees her world and ice cream van go up in flames

For over thirty years, Italians Carmela and Pietro Barbaro have been selling ice creams from a van on Ilkeston Market. The couple, 69 and 72 respectively, have been in the business for almost 50 years in total and have a second ice cream van in Long Eaton.

On May 21st, Carmela parked up on Bath Street ready for the shift. An onlooker alerted Carmela to smoke, which he could see coming from the engine from across the road.

As she turned to see at what ‘Paul’ was motioning, she saw plumes of smoke filling the van from around the steering wheel.

The market community rushed to help with fire extinguishers and, although Carmela escaped injury, they couldn’t stop the van from going up in flames.

She did the right thing, not thinking to bring out her belongings. The blaze claimed personal belongings, takings, sat nav and her laptop.

The couple are waiting to see what, if any, of those possessions their insurance covers. Reports didn’t say whether the emergency services coned off the area.

10% drop in commercial vehicle insurance Q1 2015 broker record!

Premium reductions in the Acturis Insurance Price Index for small business’ commercial vehicles broke the mould when figures were released last week.

Whilst other sectors demonstrated stability, it was the white van man who’s benefited in the first quarter of this year.

Premiums have dropped 10%, the greatest single fall since BIBA/Acturis began tracking such statistics.

When summarising what made the change so dramatic, Graeme Trudgill believes it’s the brokers doing the heavy lifting. Graeme, the Executive Director of the British Insurer’s Broker Association, was keen to underline the part BIBA’s members played in helping to force van insurance prices down.

The two major aspects he identified that have helped achieve the record drop are:

  • the attitude of brokers towards customers, as a result (or because of) increased competition;
  • vehicle insurance reforms, whose combined implementation over recent years is now bearing fruit.

One could argue that the first point is a case of do or die. With the rise of the comparison website, commercial vehicle insurers for the small business owner have had to up their game.

While some websites can be soulless, if they’re returning competitive quotes then brokers must find their human voice to connect with customers when they get the opportunity. So, yes; that part’s working well.

Legal reforms are the real drivers of change

But it’s the vehicle reforms to which Graeme refers that are really helping to drive prices down. Since Continuous Insurance Enforcement was introduced almost four years ago, the MIB attest to a 40% reduction in uninsured drivers.

This figure has since been widely adopted as the benchmark for the law’s impact on the market. Having to have a vehicle insured at all times has massively reduced the payouts insurers have had to make following accidents involving one party driving without cover.

The second, and more recent, catalyst instigating lower premiums is the crackdown on personal injury claims.

The coalition’s banning of incentives for ‘victim’ referrals is working. Those referrals drove the compensation culture that had the opposite effect of the market forces we see reducing premium costs today.

Putting the skids under whiplash and soft tissue crash damage is paying dividends across the spectrum of motor insurance. It’s too early to say the spectre of whiplash has gone, but we’re at least moving in the right direction.

How does the reduction in van cover compare to other markets?

For big business, there’s nothing like the drop in insurance premiums that their smaller peers are enjoying. Large commercial fleets have, in fact, seen a small rise in the price of the average policy, up 0.6%.

For the individual motorist, they continue to see reductions in premiums. But the latest drop, 0.9%, is the smallest in almost three years.

Again, these are signs that the market is stabilising in the domestic, as well as commercial fleet markets. With stability forecast all round and bartering for market share done, there really is no better time to get your van insured. And that’s a fact!

Crashes on UK Roads Fall, but Cover Remains High. What Gives?

The AA has warned that the first quarter dip in insurance premiums is not unprecedented. As firms try to buy market share (or end the fiscal year on a high), policy prices drop.

But there’s something more fundamentally wrong, waiting to catch unsuspecting car and van drivers out. It’s the insurers themselves who’ll support the cost of swathes of Personal Injury claimants seeking compensation.

It’s a worrying trend. And whilst new measures are brought in to test soft tissue injuries such as whiplash, the damage may well have already been done.

Janet Connor, AA Insurance MD, is so concerned that she’s aired her views on the back of research undertaken by the insurers.

Where do motorists think the cash for payouts comes from?

The results are worrying. It’s not the statistical evidence. The actual number of incidents on the UK’s roads is dropping.

It’s the mindset drivers have adopted against the backdrop of the UK’s ‘compensation culture’ that’s the main concern.

There’s a direct correlation between the cost of cover and the amount paid out in the claims courts. Janet’s calling for drivers to visualise that link and change their attitude towards making a claim.

Whilst most van insurance may be channelled through the company, that’s no excuse to claim ‘just because you can’. The time for opportunistic payouts must end to add stability to an already fragile market.

But it will take a huge sea change in the attitude of many drivers on the UK’s roads to bring it about. One in nine drivers in the AA’s research wouldn’t blink when making a claim in no-fault accidents. Even if no one’s injured!

Insurance cover already increasing for some

The time to renew car and van insurance is now. The reductions in cover cost are coming to an end, as they often do once the surge of new vehicles has filtered into the market.

Older drivers can already vouch for the incremental cost of their policies. What the AA don’t want to see is a return to 2010/2011 rates, when policies were hiked 40% in a year.

As the Bank of England reins in its forecast for economic growth, businesses don’t need substantial rises in the cost of their fleet insurance.If the trend of crashes reducing but claims rising continues, increased costs seem inevitable.

The reduced cost of the average policy, as is the case across the country, will soon reverse. And we won’t be able to blame the insurers this time. They’re already warning us that they’re backed into a corner.

How a £20 Investment Can Protect Your No Claims Bonus

They say that using a phone behind the wheel is dangerous. In this case, there’s an app that may just help keep your van insurance in check.

Dashcams are fast becoming the driver’s best friend. In the past, when an inconsiderate driver has tried to cut in in front of you, any claim has been based on hearsay.

It’s your word against theirs. If you win, you lose your no claims and face a steeper premium. If you lose, you end up paying for the damage the other driver caused, to boot.

The scenario can be exacerbated if a collision happens when you’re in slow, drifting traffic. You slam the brakes on so that the overtakee can nip in without making contact.

But before you know it, bang! The daydreamer behind you has ran into the back of you.

Meanwhile, the crazy who caused you to brake is oblivious, off in the third lane again and about to spoil someone else’s day.

Dash cam to the rescue

But, technology! It’s a grand thing. Take the case of Vidur Gupta. The 31-year old was filming his commute on his Smartphone. It wasn’t even a bespoke Dashcam.

He was in an accident on his way to work passing through Kensington. From nowhere, a driver cut across the front of his Astra, causing £1,000 worth of damage.

Even at the scene of the crash, the driver of the offending vehicle told Vidur straight. He was in no way going to admit responsibility for the crash.

Little did the chancer know that his wily adversary, wary of dangerous driving on his commute, had captured the whole scene.

Upon presenting the footage that the app captured, his insurer was able to refund Vidur’s £350 excess and restore his no claims bonus.

More than one incentive for filming the road ahead

Sales of bona fide dash cams have trebled in six months, based on RAC figures. Even if you’re fortunate enough to never have to submit footage to the police or your insurer, filming your journey could pay for itself.

Some insurers are offering discounts for drivers savvy enough to invest in a dashcam.

Not only do they help insurers defend legitimate claims, but they may also help prove intent. Drivers still cause accidents on purpose in crash-for-cash scams, driving insurance sky-high for the rest of us.

Softly, softly, catchee monkey

The fitting of the devices does come with a warning, echoed around motoring’s governing bodies. Given their prominent position, they are visible when your car is unattended.

If you’re using a smartphone app, you’ll more than likely take it with you when you leave the van. But if it’s a bespoke dashcam, your are warned to remove it from sight when you leave the vehicle.

There’s a similar warning about road rage. If you feel a driver may become aggressive if they’ve caused a crash, you’re as well not to mention that you have it all on film. At least not until a greater number of vehicles have them fitted than the 9% of those surveyed as at March this year.

Are there any free dash cams?

CamOnRoad is an Android dash cam available on Google Play. It’s free and offers GPS as well as video. On top of the footage you can store on your microSD card, all users receive 2GB of free cloud storage.

It’s also flexible enough to allow you to call (hands free, obviously) as it carries on recording your journey.

In all, the 2GB equates to 3 hours’ driving time, according to the developer. That’s more than enough for most people’s daily commute. If you’re making the rounds on your van, simply erase your incident-free video when you’re approaching your storage limit and start to record again.

Of the bespoke dash cams, you can pick them up for as little as £20 or pay as much as £200. It may be worth speaking to your insurer, to see if they recommend any models.

If your van insurance is high, it’s worth considering investing in either, an app or a bespoke dash cam. If, like Vidur, it protects your no claims and covers your excess, it will have paid for itself at the first time of asking. That, as they say, is a no-brainer.

New EU ruling to make your insurance bill rocket upwards

VAN INSURANCE NEWS ROUNDUP: 7 DAYS ENDING 4 APRIL 2015:

A recent ruling from the EU is set to make your insurance bills rocket upwards because – get this – you’ll need to insure your lawn mower believe it or not.

Put this one directly in the “I can’t believe this is actually happening” file, a 43 year old law has been dredged up by the European Union in order to make it a requirement to have insurance cover for motorised vehicles like lawn mowers, mobility scooters and motorised golf caddies.

If you thought that keeping your car insurance or van insurance paid was hard enough, now if you’ve got one of those vehicles in your garage or shed you’re going to have to shell out as much as an additional £100 a year. If you have more than one of these motorised vehicles you’re going to pay through the nose for sure.

Right now the Association of British Insurers and the Department for Transport are scrambling in an attempt to clarify which types of motorised vehicles will need to carry insurance cover and at what level. Most of these so-called ‘niche vehicles’ are exempt from being covered under UK law, but now with the EU’s new court decision this has thrown a major spanner in the work.

So what’s to blame for the new law? Well European courts decided in favour of Solvenian Damjian Vnuk who was struck by a tractor and fell from a ladder. The Brussels court said that any motorised vehicle whether or not on private or public land needed to be insured in order to provide compensation for blokes like Vnuk.

Do I blame Vnuk? Of course not. The poor man was struck by a bloody tractor. However I do blame whoever was driving that tractor, as he was obviously a complete and total pillock. Thanks so much for ruining it for the rest of us, you bastard! Now I’ve got to tell my grandmother we have to take her motorised scooter to the tip because we can’t afford it.

Just to make sure, my grandmum never actually collided with anyone to the point where she needed to be taken to court. That scooter does hurt awful when it rolls over your toes on Christmas morning, though.

Car and van insurance premiums poised to increase yet again

VAN INSURANCE NEWS ROUNDUP: 7 DAYS ENDING 3 APRIL 2015:

Car insurance and van insurance premiums are poised to increase yet again thanks to a lack of competition between insurers, analysts say. Are we having fun yet?

According to some research from an insurance comparison site, the average premium price across every age group stood at £561.10 in February 2015. This is up by £21.90 from last year’s average – and once again the country’s youngest motorists are being hammered the hardest.

Whether it’s for a personal insurance policy or one for commercial van insurance, drivers under the age of 21 pay an average of more than £1,420. This is an increase of nearly £20 in and of itself from January to February – and it’s something close to 376 per cent higher than the under £300 someone between the ages of 50 and 64 would end up paying.

So what in the world is causing these insane increases? Well on a yearly basis December is usually the point in the year when competition drops to its lowest point. This recovers in both January and February, but bounce back in 2015 has been abysmal compared to years past – with lowered competition, insurance companies don’t really have any reason to provide good rates because well to hell with you if you’re a customer.

Believe it or not, many analysts say that dropping petrol prices naturally lead to premium increases as well. This seems patently unfair, as pain at the pump has been widespread for far too long and it’s nice to finally see a litre of petrol not costing you an arm and a leg when you pull in to your local garage, but insurers feel that cheaper petrol means drivers feel comfortable driving more since it’s no longer as expensive to fill the tank. More drivers on the road for longer leads to more potential accidents, so insurers hedge their bets against that. So much for that nice country drive this spring, eh?

 

 

Cracking down on drink driving the American way

VAN INSURANCE NEWS ROUNDUP: 7 DAYS ENDING 20 MARCH 2015:

The Americans think they’ve sussed out how to crack down on drink driving in the United States – and surprisingly it doesn’t involve shooting anyone.

According to a report in Reuters, a new push towards fitting devices in new cars for sale in the US could possibly cut back on something like 85 per cent of alcohol related deaths. The new initiative could end up not only saving tens of thousands of lives, but it could also result in major savings in the form of injury-related costs and even car insurance or van insurance premiums.

So there’s no saying when or if such an initiative would make its way across the pond here, but the Yanks seem to think that fitting cars with alcohol interlocks is one of the best way to stop drink driving. In fact, the American Journal of Public Health thinks using brand-new tech to prevent cars and vans from being driven could stop more than 59,000 fatalities, more than one and a quarter million non-fatal injuries, and something like $340 billion in medical and court costs.

Fitting cars with interlocks after drink driving offence is a good way to keep people off the road that you know are miserable drunks, but it doesn’t do anything for those that fly under the radar – or for first offences. This is why the idea of making new interlock technology standard on new cars makes it a much better option in preventing drink driving completely – or at least much more effectively.

Honestly it sounds like a brilliant idea, especially if it’s adopted across all 50 states and not just a few here and there. If it proves effective, it could easily be brought across to other countries – and with drink driving a threat wherever you go and whoever you might be it’s probably not such a bad idea to get it over here in the UK. I don’t know about you but I know a few blokes that like to go down to their local and have a few pints in the evenings, only to attempt to motor home even though they’re three sheets to the wind, simply because they can’t be arsed to take public transport – or they think they can “handle it.”

Yes, well that’s all well and good until you get nicked for drink driving isn’t it? And you better hope you’re stopped by the police instead of wrapping yourself around a tree or striking some poor bicyclist or pedestrian.

£93 of your premium is the result of whiplash claims

VAN INSURANCE NEWS ROUNDUP: 7 DAYS ENDING 13 MARCH 2015:

Wondering why your van insurance or car insurance is so high? Around £93 worth of it is a result of the number of whiplash claims insurers have to deal with.

So why in the world is the amount of whiplash claims raising everyone’s insurance by an average of £93 lately? Well that’s just how many claims that car and commercial van insurance providers have had to deal with lately. Apparently there’s been an absolutely massive spike in volume recently, and insurers say the costs they incur in paying out for all these supposed whiplash injuries.

Insurers of course are pointing the finger at ambulance-chasing personal injury lawyers that are drumming up spurious claims in order to benefit from court costs and lawyer fees. If only there were some way to limit the impact of whiplash claims, insurance companies have been whinging – or at least that’s what they say whenever they’re not accusing the Government from doing enough to crack down on insurance fraud.

Meanwhile who loses out in the long run? We do, of course – every single one of us who has to keep their van or lorry insured. The so-called £2.5 billion a year that insurers say whiplash claims cost them gets passed on right to everyone who has to climb behind a wheel – and our personal share is £93. It’s enough to drive you absolutely mad – especially when there’s so much else to worry about.

Still, there’s not much we can do about it, is there? We have to make sure our vehicles stay insured at all times or we’re liable for all sorts of fixed penalties. And good luck getting cover from an insurer if they know you like motoring about without insurance! No, we’re all kind of over a barrel here – we’re stuck having to play by the industry’s rules. Honestly the best we can do is just shop around every year when it comes time to renew our cover and try our best to find a reasonably priced premium policy that doesn’t offer cut-rate cover or leave us with having to take out a mortgage on our flat to pay for it.

I wish I was exaggerating for comedic effect but sometimes I really wonder; don’t you?

 

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