Does My Policy Meet My Needs?

If you are reviewing an existing policy or looking for a new one, you need to ensure that it covers what you actually require for your business. A general policy, bought on-line, may not have the exclusions and covers suitable for the needs of your business.

Think about your company and what you might encounter that could need insurance – do you employ staff, perform a service for customers, own property or sell products that could fail? Have you got the value of your contents correct, or have circumstances changed, perhaps you are holding more (or less) stock?

You should not be paying for anything you do not need – for example, if you run a clothes shop, there is no point in holding cover for freezer contents, or if you have an office, shop front cover is no use to you! It is just not enough to choose the cheapest insurance – there may be exclusions that you require.

Of course, you do not need to get a new policy to get specific cover. Talk to your broker and they will be able to add or delete specific covers as your business develops – you may have started as a self employed electrician and have expanded to be an employer, or used to work from home but have decided to now rent an office.

Don’t forget to also review the excess on your cover. This is what you pay if you claim, and you may have the option to change it – if you increase your excess, you will reduce your premiums, as you are covering less.

Consult with the insurance professionals at Direct Insurance Corporate Risks we can write a bespoke policy that helps avoid any extraneous liability and ensures a smooth path for your business to keep delivering the goods to your clients on schedule well into the future.


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Here at Direct Insurance Corporate Risks we specialise in the important stuff, keeping your livelihood safe when the worst happens.

We’ve got it all covered from motor fleet, employers liability, all the way through to risk management. You name it, we do it and its all bundled up with excellent service, access to A-Rated markets, an in-house claims team and low premiums.

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Most Efficient Lorries Will Pay Less Tax in 2019

Beginning February 2019, lorries meeting the most recent Euro 6 emissions standards will be eligible for a 10 per cent reduction in the cost of the heavy goods vehicle (HGV) levy. Lorries that don’t meet the latest emissions standards will be expected to pay 20 per cent more in their HGV levy.

Currently, the HGV levy is up to £10 a day or £1,000 a year, depending on the vehicle’s size and weight. However, the amount of emissions will also be a determining factor for the levy sometime in the future.

The change is a part of the government’s programme to improve air quality and reduce emissions, as lorries with the cleanest emissions produce 80 per cent less nitrogen than dirtier ones, according to the Department for Transport’s research.

What Are the Euro 6 Standards?
The Euro 6 standards apply to all new cars registered after 1 September 2015 and defines acceptable limits for exhaust emissions. The limits are as follows:


  • Carbon monoxide: 1.0 g/km
  • Hydrocarbons: 0.10 g/km
  • Nitrogen: 0.06 g/km
  • Particulate matter (direct injection only): 0.005 g/km
  • Particulate matter (direct injection only): 6.0×10^11/km


  • Carbon monoxide: 0.5 g/km
  • Hydrocarbons and nitrogen: 0.17 g/km
  • Nitrogen: 0.08 g/km
  • Particulate matter: 0.005 g/km
  • Particulate matter: 6.0×10^11/km

Who Will Likely Be Affected?
Companies operating HGVs will be most impacted, especially if vehicles in their fleet were manufactured before 2015. Vehicles manufactured after September 2015 should meet emissions standards.

How Can I Comply?
If a vehicle fails to meet the emissions standards, there are a few options available to help reduce the amount of emissions produced by the vehicle.

  • Have the vehicle regularly serviced.
  • Instal in-cab technologies that monitor driving and provide performance feedback to help encourage driver behaviours that lower emissions.
  • Encourage your drivers to drive more smoothly, which helps increase fuel efficiency and thus reduce emissions and costs.

However, one of the most effective methods to ensure that a vehicle complies with emissions standards is to instal a selective catalytic reduction system, which reduces nitrogen emissions. Another option is injecting fuel tanks with cerium each time you refuel the vehicle, which helps optimise the diesel particulate filter.

Drive Clean, Breathe Easy
For more compliance information, contact Direct Insurance Corporate Risks today.



Telephone: 01277 844 360

The Impact of Workplace Bullying

Workplace bullying can take many forms—it can be directed at specific people or related to certain work activities. Specific definitions of bullying vary, but many describe it as negative behaviour targeted at an individual, or individuals, persistently over time. Workplace bullying can include, but is not limited to, the following:

  • Ignoring or excluding
  • Assigning unachievable tasks
  • Spreading malicious rumours or gossip
  • Delegating meaningless or unpleasant tasks
  • Making belittling remarks
  • Undermining co-worker integrity
  • Withholding information deliberately
  • Undervaluing contributions
  • Degrading others in public

Bullying can cause psychological health problems, such as depression, and physical health problems, such as sleep difficulties or stomach pains.

In general, targets of bullying feel a sense of isolation. In some cases, workplace bullying can leave the victim so traumatised that they feel powerless, disoriented, confused and helpless.

If you are the victim of bullying or have witnessed it in the workplace, it’s important to speak up.

Start by speaking to someone you feel comfortable with, like a manager or co-worker. It’s important to be specific and describe the behaviour you experienced or witnessed.

When it comes to addressing workplace bullying, it’s important to follow the policies and procedures established by direct Insurance Corporate Risks. Doing so can help ensure a safe and healthy workplace.

If you’d like to gain access to our workplace hub for HR support, risk management tools and much more simply get in touch today.



telephone: 01277 844 360