Mobile mechanic insurance – what’s covered?

A mobile mechanic visits customers at their own home or place of work. They operate out of a van and carry tools and equipment from job to job. They may work full time or part time, but either way, they will need a policy that covers all elements of their particular business, from roadside recovery to battery charging.

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Types of cover available

The most basic form of cover is a policy that enables the mechanic to drive and work on customers’ vehicles. There is also a similar policy but with fire and theft cover, whilst the vehicle is in the mobile mechanic’s care.

The third type of motor trade insurance policy for the mobile mechanic is the comprehensive cover, which will protect their own vehicle, and themselves, as well as customers’ vehicles. For a mobile mechanic, their vehicle is the crucial element that enables them to operate their business, so it would be advisable to protect this as well as the tools and instruments that it carries.

If staff is employed, the Employer’s Liability cover will be essential and required by law to cover against any illness, injury or death sustained by an employee during the course of their employment.

Product Liability is a recommended element to the mobile mechanic’s motor trade insurance. This would cover all work on a customer’s vehicle. If, for example, a repair failed, then the mechanic would be covered against any claims made under legislation such as the Consumer Rights Act 2015 and any associated costs.

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Finally, Public Liability covers any claims made by members of the public and is recommended a cover for any business that interacts with the public.

Bespoke policies

There are all kinds of service that a mobile mechanic could offer, such as roadside assistance, recovery, valeting or a home-based MOT service. Therefore, the mobile mechanic should carefully choose a reputable insurance broker who can provide motor trade insurance tailored to suit the mechanic’s business.

The right insurance is highly recommended for any kind of mobile mechanic, whether they work full time or part-time. The nature of their work carries significant risks, which need to be protected. Therefore, trade policy for this specific type of trader needs careful attention to detail and regular review by a broker to ensure all relevant elements of the business are covered.

How can we cope with the increase in diabetes?

There is an increasing concern that the cost of treating diabetes may bankrupt the National Health Service, as there has been a massive rise in the number of cases over recent years.

According to a Guardian report, Diabetes UK has issued a warning that the cost of diabetes treatment is spiraling out of control as the result of the 60% rise in cases over the last 10 years.

Causes of diabetes

Identifying and tackling the causes of diabetes is vital, and the good news is that diabetes is often preventable. Research claims that sugary drinks, regardless of size, may cause people to develop type 2 diabetes. Obesity is the biggest preventable factor and if the current trend is maintained, one in three people will be obese and one in ten will be diabetic by 2034.

A healthy diet is essential for preventing diabetes and it has been suggested that schools should teach pupils about healthy eating, what 2,000 calories look like, and how to refuse unhealthy alternatives. Sport and exercise are also important as part of a healthy lifestyle and for weight control.

Diabetes care

The National Institute for Health and Care Excellence (NICE) has identified nine processes of care for diabetes. These are tests that all diabetics should have annually; however, 40% of diabetics do not currently have them all, meaning that they are at higher risk of complications such as blindness and kidney problems. It is estimated that 80% of the 100 amputations carried out each week would be preventable if patients received optimal care. There is a new initiative to encourage healthcare professionals to identify patients at high risk of diabetes because of an inherited tendency or because they are obese and to offer intervention at an early stage.

Even if you have your weight well controlled, there can sometimes be hard-to-shift areas of fat, for which laser liposuction may be the answer. This minimally-invasive treatment can be carried out at centers

The increase in cases of diabetes can only be stemmed by a total change in our lifestyle, with an evidence-based behavioral programme currently being developed by the NHS Diabetes Prevention Programme to prevent the increase in obesity and consequently diabetes.

What to consider when converting commercial to residential

With the UK housing market still struggling to meet demand, more investors are looking at the prospect of converting their commercial portfolios into residential homes but there are a number of areas that you need to consider when doing so.

According to data from the Royal Institution of Chartered Surveyors (RICS), the amount of commercial space across the country is declining at the fastest rate since records were started in 1998. Many of these buildings are being used for residential developments, especially with the loosening of planning rules which has made it easier to make the conversion to residential use. If you’re looking to convert a commercial premise into residential use, what should you consider?

Convert or develop

One of the first decisions will need to be whether you intend to convert the existing building on a site or knock down the property and start again. Both have their benefits on a practical and financial level and it will largely depend on the state of the current property and its suitability for residential use.

You will need to factor in the ability to bring a building up to the right standards for it to be habitable, such as how you can install the appropriate fire prevention measures. One option would be to speak to Automist installers in Bristol about using that system. It can be fitted into existing buildings, even those of a period style, in order to meet building regulations.

Need for planning permission

In 2013 the Government introduced a temporary addition to Permitted Development rights which enables office space to be converted to residential use without the need for planning permission. The current rulings apply to projects that will be completed by May 2016. There is no current confirmation if these rights are to be extended, but news on any further changes or addition to the Permitted Development rules should be made public soon.

If you are unsure if your project meets the requirements of Permitted Development then you should speak to your local planning department. They will be able to talk you through the process and tell you whether your conversion project falls within the rules or requires planning permission.

The popularity of cosmetic surgery and abdominoplasty

Cosmetic procedures are becoming more commonplace and for this reason, many procedures are becoming more readily available with costs also being driven down; for example, Botox is highly common for both men and women and can reduce or even remove lines on the face. Another area of the great increase in cosmetic surgery is abdominoplasty.

The south of the country sees more cosmetic surgery carried out that the north due to the greater wealth of London and the surrounding areas. According to the Guardian, cosmetic surgery could even be the new ‘acceptable face of womanhood’, although an increasing number of men are also undergoing procedures in an attempt to restore their looks and improve their confidence.

Why choose abdominoplasty?

Abdominoplasty in Essex is available through a number of highly-qualified surgeons who can reform your stomach area and turn back the clock. This procedure is ideal for people whose skin has become looser on the abdominals, such as after pregnancy, and who want to return to their earlier shape.

Abdominoplasty is also perfect for people who have lost a large amount of weight. Sometimes after weight loss, there is some loose skin left that no amount of exercise will be able to reduce; this skin needs to be surgically removed. Cosmetic surgery can remove this unsightly skin, leaving only a light scar that will fade significantly over time. Your surgeon will try to hide the scar in the natural folds of the skin to disguise it, and after a year it will fade to a fine white line.

Information on abdominoplasty

Refresh Cosmetic Surgery are experts in abdominoplasty, (more commonly known as a tummy tuck). By choosing to have this cosmetic procedure you will be able to regain your old confidence. Before undergoing any procedure it is, of course, important to read all about what actually happens during a tummy tuck operation so that you know exactly what to expect. Information guides, such as this informative article by the NHS make researching your procedure much easier.

Some of the issues to consider are where you will have your cosmetic procedure, who will perform it and what the outcome will be. Always discuss the likely results with your surgeon and look at before and after photos of previous patients.

Three Disasters Proper Software Testing Can Avert

Software testing services are immensely valuable to all developers of software, including apps for smartphones and tablets. It helps you to ensure your software is polished, as bug-free as possible and truly ready for release before it reaches the hands and hard drives of discerning consumers.

Releasing poorly finished software to the public can be a disaster and result in even big releases being withdrawn from sale. These dangers work on several levels, but a number of disasters can be averted by simply making sure you subject your software to thorough software testing.

The Instant Uninstall

If people install software and find that it is excessively buggy, perhaps even unworkable, then they’ll just uninstall it right away. If you’re selling the software, they might even demand their money back. If it’s ad-funded free software, the results are even worse. Each customer who abandons your software will mean lost revenue, whether they are the sort of person who would have bothered asking for their money back or not. Proper software testing ensures the software works properly and is not held back in usability terms by bugs and glitches, leaving them free to keep it installed, keep using it and hopefully tell others to download it too.

Bad Reviews

Dissatisfied customers may do more than just uninstall your product if they find it is buggy. They might leave bad reviews on app stores, software repositories, e-commerce outlets or independent sites. This is a big problem. When new customers consider your software package, they will quite likely look at these reviews to find out if it is worthwhile or not, so if what they see is negative this can be very off-putting. Even if you tidy up all the bugs, those reviews will remain, and this can make it hard to turn things around. That’s why it’s important to seek out someone such as Bugfinders specialist software testers before you release your app to the public.

Reputation Damage

People’s own bad experiences and the impact of negative reviews can spread well beyond an individual software package. If you want to create other pieces of software (and you quite likely will), people may recognize your business’s name or logo and associate it with the bad experience they had before. This can put them off even trying other products you create.