New insurer added to our panel for Commercial Vehicle Insurance offering young drivers cover

This was posted by on November 30th, 2016

Trust Insurance has responded to clients requests over the last few months and continued to develop its products and panel of insurers to focus on the high risk nature of tree surgery, landscape gardeners, and forestry workers and their unique needs and specialist modified vehicles.

Non-Standard Needs & Vehicles, Means Non-standard Insurance

“We all know that every job is different, and you need the right tool for the right job.”
Your vehicle is no different and vital to any business. No two tree surgery trucks will ever be the same, and the same can be said about insurance.
No insurance policy will be able to cater to every need, that’s why we designed and built our policies around you. We have developed our own schemes in partnership with our panel of insurers to help make it easier and more convenient for you to insurer your vehicles and protect your assets.

Modifications

You might have modified it yourself and removed seats in a double cab to make room for tools, you may have had the sides galvanised, chip boards or a cage built on a Tipper?
You may have a MEWP for certain jobs or a winch fitted, you might even have an imported pickup, as well as being sign written?
They may seem like minor things to you, but in fact all these non-standard elements increase the costs of your vehicle to repair or replace in the event of an accident, and as desirable tools of your trade make them theft attractive to others.

We know the risks, and always provide a fair and competitive premium for your needs!

Exciting changes at Trust Insurance Services Ltd

We are pleased to add a new insurer to our panel this year centred on rural life and vehicles, which many customers of Trust are already benefitting from.

A new product, and new capabilities means we are able to provide you more competitive quotes than ever before and cover for more vehicles including telehandlers, forwarders, harvesters, Unimog’s, Tractors, Agricultural Quad bikes, ride on mowers and many more for road use.

The new provider can also assist if you are struggling to obtain cover for younger or new employee’s and drivers between the ages 18-25 on pickup’s, tipper’s and 4×4’s for your business with flexible underwriting for tree surgeons, landscapers or forestry related trades.

What does this mean for you?

The increased underwriting flexibility and new insurer on our panel means we can offer quotes for Any Driver over 21 cover if required on individual vehicles, as well as offer multi vehicle policies for 2 or more vehicles!

Not only is there an added saving for you in cost, but from us understanding the risks associated with your job from our time in the industry over the last 20 years, there are extra features and benefits included for you and tailored by us including carriage of hazardous flammables Jerry cans / chainsaw oil amongst others that can’t be found anywhere else in the standard market place!

Did You Know?

As a member of the Gardener’s Guild, or an existing client of Trust you could be entitled to a Discount on more than one policy taken out from our specialist range of Arb insurance products if you are qualified from our panel insurers?

Please contact the office for more details –subject to underwriting criteria.

Published by Matthew Fenton

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Confirmation of training cover – Tree Surgery Liability Insurance Policy

This was posted by on November 24th, 2016

It has been brought to our attention that the Arboricultural Association has questioned whether or not our tree surgery liability insurance policy indemnifies for staff training.

We can confirm that we do automatically include this cover under our liability policy.

From a HSE point of view the apprentices/novices must still be under supervision of a qualified person.

Mr G R Parrish
Managing Director

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Insurance Premium Tax to rise again to 12%

This was posted by on November 23rd, 2016

The government has just announced in its autumn statement that from the 1st June 2017 insurance premium tax (IPT) will increase AGAIN to 12%. Insurance premium tax in the last 18 months has increased from 5% to what will be 12%. At present time insurance premium tax is set at 10%, this was only introduced in October 2016.

I strongly believe this will not be the last rise in insurance premium tax as in the continent taxes on insurance premiums is at 20% and the government left themselves no room to increase the mainstream taxes at the last election.

We will do all we can to minimize the increases in your premiums, however, we cannot control taxes (unfortunately)!

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Public Interest disclosure

This was posted by on November 14th, 2016

Introduction

Trust Insurance at all times conducts its business with the highest standards of integrity and honesty. It expects all employees to maintain the same standards in everything they do. Employees are therefore encouraged to report any wrongdoing by the company or its employees that falls short of these business principles. (This also applies to staff of key contractors, if applicable.)

The Public Interest Disclosure Act (PIDA) 1998 protects employees who report wrongdoing within the workplace but it is the aim of this policy to ensure that as far as possible our employees are able to tell us about any wrongdoing at work which they believe has occurred or is likely to occur.

We recognise that employees may not always feel comfortable about discussing their concerns internally, especially if they believe that the company itself is responsible for the wrongdoing. The aim of this policy is to ensure that employees are confident that they can raise a matter with the company that concerns them in the knowledge that it will be taken seriously and treated as confidential.

The company undertakes that no employee who makes a bona fide report under this procedure will be subject to any detriment as a result, in accordance with section 47B of the Employment Rights Act 1996. The company will take all steps possible to ensure that no one (under our control) engages in victimisation as a result. In the event that you believe you are being subjected to detriment by any person within the company as a result of your decision to invoke the procedure you must inform Geoffrey Parrish and appropriate action will be taken to protect you from any reprisals.

If it should become clear that the procedure has not been invoked in good faith, the allegations are false and/or malicious, (for example to pursue a personal grudge against another employee), this will constitute misconduct and will be dealt with in accordance with the terms of the company’s disciplinary procedure.

What does this include under the PIDA?

A qualifying disclosure tends to show that a ‘failure’ has taken place, is taking place or is likely to take place. A failure includes:
• A criminal offence
• A failure to comply with any legal obligation
• A miscarriage of justice
• The putting of health and safety of any individual in danger
• Damage to the environment
• Deliberate concealment relating to any of the above

The company takes these failures very seriously,

Procedure

If appropriate, discuss the matter with your manager in the first instance.
• An informal approach to your manager will be treated as completely confidential (and will not result in any report to anyone within the company unless you agree).
• If the matter requires further investigation this will be carried out by your manager and you will be informed of the outcome and what, if any, action has been taken.

If you would prefer, you may raise concerns to a different manager, or any other senior person within the organisation (including the Principal/Director).

If you remain unhappy about the speed or conduct of the investigation or the way in which the matter has been resolved, you should refer the matter to Geoffrey Parrish. When they have investigated your complaint they will tell you the result of the investigation and what, if any, action has been taken.

External referral

The company is keen to hear of any concerns that employees may have about wrongdoing at work and encourages them to use the procedure described above wherever possible.

The company recognises there may be matters that cannot be dealt with internally and external authorities will need to become involved. Where necessary the company reserves the right to make such a referral without your consent.

From 14 January 2005, the FSA are the regulator prescribed in respect of financial services and marketing matters under the PIDA .On the 1st of April 2013 the regulator became the Financial Conduct Authority (FCA) and further information is available via their website.

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