As the spread of Covid-19 continues to impact daily life and businesses here in the UK, we are working to bring our clients useful information which we hope will help you and your business to navigate these challenging times. Here’s a brief guide on some of the areas that fleet and vehicle operators could consider to protect their drivers, customers and vehicles together with potentially reducing premium spend in the short-term:
- Refuelling presents a significant opportunity for the virus to spread so supplying drivers with gloves for handling petrol/diesel pumps is strongly recommended. Pay for fuel with contactless or at Pay at Pump stations to minimise exposure.
- Point of delivery can present challenges and should be contact free wherever possible. This can include photo capture proof of delivery which avoids customers physically signing for goods.
- Vehicle security – during these uncertain times there will be many companies who have to park up vehicles due to a lack of demand or work. Ensure they are kept in secure compounds or yards wherever possible and that all security devices are fully operative so that your insurance is not invalidated.
- If you have vehicles that will be laid-up for some time, it’s well worth considering registering them as being off the road (SORN) as most insurers will charge less premium for laid up vehicles whilst still providing fire and theft cover.
- Should you operate a lorry, bus or trailer your vehicle will be exempt from needing an MOT for 3 months from 21 March 2020. In most cases, your vehicle or trailer will be automatically issued a 3 month exemption, and you do not need to do anything. You will not receive a paper exemption certificate but instead, your MOT will be extended by 3 months from its current due date. Please refer to the gov.uk site for further details.
- From 25th March, the government has also extended MOT’s for cars automatically by 6 months. Motor insurance demands that any vehicle which requires one, must have a valid MOT however most insurers are saying that absence of an MOT certificate in itself, will not invalidate the cover. It is important however to note that:
- If the vehicle would likely have been expected to have an MOT prior to the Government announcement of March 25 this could impact your insurance; and
- Insurers may reserve the right to satisfy themselves that the insured vehicle was roadworthy if an accident occurs, and no MOT is available, and the circumstances deem it prudent to do so.
GET IN TOUCH WITH YOUR USUAL CONTACT AT YUTREE IF YOU HAVE ANY CHANGE OF CIRCUMSTANCE REGARDING YOUR VEHICLES OR IF YOU HAVE ANY QUERIES.
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