Wednesday, April 9, 2014

Fleet Insurance - Taking Care of All Your Vehicles By the Fleet

There are a myriad of vehicle insurance types to choose from. Each car or van insurance, however, depends on the vehicle itself and in the ownership of that vehicle. Choosing the perfect insurance package for each vehicle is not an easy decision to make. So imagine if you have a whole fleet of vehicles to get insurance for!

Fleet insurance is a great way of managing the cost of insuring your company vehicles and in ensuring that claims are handled with as less stress and hassle as possible. A company may opt to self-insure by way of insurance bonds. This is very expensive and the risk to the business is high, particularly given the number of claims that are probable and the open-ended nature of the claims that may arise. Handling claims can be a logistical and administrative headache and is something that a fleet insurance policy can handle in a breeze.

Fleet insurance removes the burden of having separate policies for every vehicle. Simply consider the monitoring and tracking that would be required to ensure that each vehicle has the proper coverage, gets renewed on time and continued with no period of non-coverage.

Fleet insurance takes away all the worries from the part of the business and vehicle owner. Fleet insurance policies do vary, but the basics remain across all providers. Fleet insurance premiums are governed by the number and type of vehicles, their age and condition as well as the overall mileage that can be expected from the fleet or classes of vehicle within the fleet.

Claims history is also relevant but high risk drivers who otherwise would not or could not be insured may become covered by use of a fleet insurance policy. Individual insurers will have different ways of calculating premiums and assessing the risk that is presented but these processes tend to follow a common path based on the fleet factors we've already mentioned.

Limited liability insurance that is included in fleet insurance policies takes into consideration the fact that you must also insure the vehicles and the acts of the driver and the riders during the normal course of business.

Fleet insurance for lorries and caravans should cover the goods that are to be transported as well. If you are commercially transporting goods that are practically the lifeblood of your business, you also need to look at insuring the cost of these goods in the event of theft or loss while in your control, in transit or during a breakdown of the vehicle. These issues also need to be considered when looking at what a fleet insurance policy can provide for you and the riders of the vehicles, and not simply focusing upon the insurance of the fleet itself.

Running a fleet of vehicles in your business presents some unique problems and issues. Fleet insurance can be a very helpful tool so you can do away with the extra burden and liability that may arise in the course of your business. Getting a fleet insurance for loads of vehicles gives the business owner the much needed convenience that individual vehicle insurance policies do not offer.

Monday, March 31, 2014

Do You Know About Man And Van Groupage?

If you know anything about the delivery trade, you'll probably have heard the term "man and van groupage" before. While in the past it's been a term more often used by larger haulage firms, the current economic climate has made many smaller companies, such as delivery companies turn to groupage to make sure they're staying as stable as possible. But what is it?

Essentially, it's a way of maximizing space in a delivery vehicle, so that small and large transport companies make the most of their load space and time. Rather than traveling with a half load, delivery companies find items being delivered that can fill that space. This is often at a fraction of the cost of the original delivery, because the vehicle is going there anyway. If you think about it, without man and van groupage, we would have an awful lot of vehicles traveling on our roads only half full, or even worse, empty. While back loads are a slightly different thing, you can still use the same method of man and van groupage with back loads, and save yourself money.

When a transport or logistics operator, for example, decides to go for groupage, they often use a delivery auction website in order to get extra business. This is a great place for you to advertise your items for delivery, because you get these great deals on moving costs, and you're also doing your bit to save on CO2 emissions.

It can be very difficult for delivery companies and man and van operators to continue trading in these difficult times. When you use man and van groupage, everyone wins. It may not be the most appropriate choice if you have something that needs to be delivered at a very specific time, but the more flexibility you have, the better man and van groupage could work for you.

Sunday, March 23, 2014

What Dreams May come on an Adventure Travel Trip

As you approach the first big rapid of the day, you hear the roar. Salmon Falls is a five-foot wave drop around car-sized rocks, and now you and your family drift toward the edge.

"Easy forward," your guide requests, as you paddle to gather momentum. The boat surges forward. Everyone paddles together to power the raft onto the blue tongue of water that will take you to the center of the foaming froth below.

"Okay, team, here we go! Left turn!" the guide yells. The boat then spins to face dead ahead into the roller coaster maelstrom.

"Looks like fun! Let's run the drop. Forward hard!"

The raft speeds into and over several waves. Paddles fly. People whoop and holler, as you bounce up and over and through the heart of Salmon Falls. After gracefully moving through walls of white and mountains of waves you emerge, soaking wet and elated. You pat the backs of your family members and new friends, as your paddle raft team celebrates a successful run through an unbelievably fun rapid.

"We did it," you quietly whisper to yourself. Here we are, whitewater rafting in Idaho. It's more fun than I could have dreamed.

Running rapids, galloping on horseback, riding through a herd of water buffalo in an open air jeep, or looking down, down, down at the specks of people as your hot air balloon goes up, up, up, are all great examples of what you can expect from an adventure travel vacation. But there is even more! Solid planning and expertise are hallmarks of adventure travel that make these dramatic 'highs' possible. Exceptionally knowledgable guides, great food, stunning and peaceful outdoor settings, and hassle-free logistics are just a few of the basic features your adventure travel vacation is likely to include and ones we've chosen to highlight for you below.

Experienced, knowledgeable, and friendly guides are an essential part of adventure vacations and professional adventure travel companies. These women and men love what they do and are excited and eager to share their passion with you, their guests. Most successful adventure travel company guides have years of experience leading trips or are paired with those who have led such trips in the past. In addition to technical expertise, guides have a wealth of knowledge about the regions in which they work. As a result, on adventure trips you learn much about the flora, fauna, natural history, and culture that surround you.

On family trips, guides often have in their repertoire games, information sheets, books, and more specifically designed for children. The entire family learns first-hand from these skilled, accessible trip leaders, who present a wide range of information and gladly answer all of your questions. Guides are also equipped to handle medical concerns or emergencies in the field. Virtually every professional adventure guide has certifications in First-Aid and CPR, and many have trained specifically for wilderness or emergency medical situations. Though rare, should a medical problem arise on your trip, you and your children should feel comfortable knowing that your guides are capable of effectively dealing with whatever comes their way.

Finally, adventure travel guides are resourceful and friendly. Whether they help you set up your tent, assist you in getting on and off a horse, or explain why moss grows on the north side of trees, you can feel confident that your guide genuinely enjoys being of assistance. Each guide wants you to appreciate where you are and what you are doing as much as he or she does. It is in the guide's best interest to do so. Guides love their work and want to continue in their chosen field. They want you to come back again and again!

Fantastic food is another feature of adventure travel provided by adventure travel companies, that is often an unexpected pleasure. Outfitters have long prided themselves on presenting healthy and filling meals with a flair. There is nothing quite like sitting around a campfire on a starry night and sinking your teeth into a deep dish of Dutch-oven lasagna or a juicy piece of barbecued boneless breast of teriyaki chicken. Accompanied by a fresh green salad and garlic bread, the evening meal is likely to be capped with a delicious piece of cake, also direct from the Dutch oven. On most adventure trips, guides often take transportation which enables them to carry lots of food in ice chests and other containers that assure freshness. For example, rafts on a multi-day river trip typically carry thousands of pounds of food in large ice chests. On some trips cooks are part of the crew, while on others, the guides double as master chefs. Regardless of who cooks, you will be able to eat to your stomach's content. Furthermore, most outfitters will customize meals to meet any dietary requests or needs you or your children may have.

Many people choose an adventure vacation based on the activities involved. This is an excellent way to decide which tour to take. Whether you choose a horsepacking trip, wildlife safari, wilderness river journey, or other type of adventure, activity is often the focal point of the trip, with the setting a secondary concern or interest. But the truth is no matter what tour you choose, you will be surprised at just how spectacular your surroundings are. From deep, dramatic river canyons to cloud-touching, razor back ridges, the wilderness settings of most adventure trips provide plenty of reasons in and of themselves for a vacation. These awe-inspiring spots promote relaxation, reverie, and the ability to recharge. You will be amazed at the amount of opportunities your children have to explore. Combine that with the fun and rewarding activitiy you chose in the first place and you will likely look back on your adventure vacation as the best you've ever had.

Last, but not least, outfitters pride themselves on creating trips that allow you to have few or no concerns other than enjoyment. Typically, once you meet your guides at the rendezvous, meals, transportation, accommodations, and more are taken care of. Before the family described above, for example, reached the brink of Salmon Falls, they had received in the mail a thorough pre-trip package of information, which included a comprehensive packing list and suggestions on how to prepare for the trip. They also had help arranging transportation to the rendezvous. Once met by their guides at the rendezvous, they were driven to the river, given a complete safety and instructional presentation, and helped with the packing of their waterproof bags. On the river, each day, every family member was made to feel welcome and comfortable, fed expansive, healthy meals, and given ideas of what to look for in terms of interesting flora and fauna, and so on. At the end of the trip, the shuttle vehicle took them where they needed to go.

An outfitter's careful preparation and smooth operation of a trip often make families wish their vacations never end. Not having to ponder what needs to be done while on a holiday allows you to let go of worries and clear your mind. Caring guides, great meals, wonderful wilderness, and hassle-free logistics result in great family vacations that leave you with the feeling that your next adventure trip can't come soon enough!

Sunday, March 16, 2014

Top Green Careers

Let's look at a few of the top green careers as projected by companies such as Forbes, Hotjobs, CareerBuilder, and Fortune.

In the agriculture and forestry sector, top green careers include farmers and ranchers, landscape architects, agricultural inspectors and technicians, and purchasing agents & buyers of farm products.
The transportation sector hosts a long list of green careers such as aerospace engineers, logistics analysts, engineers (mechanical, locomotive, fuel cell, and transportation), freight forwarders, transportation managers, planners, vehicle/equipment/systems inspectors, truck drivers, automotive engineers/technicians, bus drivers and dispatchers (except police/fire/ambulance).

The manufacturing sector has a never ending list of green occupations to choose from. Here a just a few: robotics engineers/technicians, welders and cutters, shipping and receiving clerks, solderers and brazers, machinists, materials scientists, millwrights, nanotechnology engineers/technicians/technologists, aircraft assemblers, chemists, commercial and industrial designers, and electronic engineers/technicians/technologists.

Another green sector with jobs having a bright outlook is called the renewable energy generation. OK, here we go: energy engineers, heating and air conditioning mechanics/installers, financial analysts, green marketers, urban and regional planners, correspondence clerks, electrical engineers, energy brokers, pest control workers, and solar energy systems engineers. Whew!

Here's one a lot of us are more familiar with; recycling and waste reduction. Some of the top careers include hazardous materials removal workers, refuse and recyclable materials collectors, recycling and reclamation workers, and recycling coordinators. That's enough to make you save those plastic soda bottles, right?

Moving on. Let's check out the energy trading sector for future green careers you may be searching for. You can earn your degree and become a securities and commodities trader, an energy broker, or an investment underwriter. The green sector demand warrants many new job openings through the next 10 years in these and other careers falling under the energy industry.
Yet another sector within the energy industry is that of energy efficiency with careers such as boilermakers, energy auditors and engineers, maintenance and repair workers, financial analysts, refrigeration mechanics and installers, training and development specialists, and weatherization installers and technicians.

What exactly is 'green construction'? This sector involves the construction of 'green' structures, both business and residential and includes career choices such as laborers and freight, stock, and material hand movers, mechanical engineers, electricians, construction carpenters, civil engineers, architectural drafters, boilermakers, cement masons and concrete finishers, plumbers, structural iron and metal workers, and urban and regional planners.

Of course, this doesn't even scratch the surface of all of the many careers with the green sector, but if you're searching for a career, green is a good place to begin.

Saturday, March 8, 2014

Tracking Driving Habits Using Your GPS

Drivers have, for a number of years now, added certain after-market devices to their cars to help drive down the price of their insurance premiums. These devices are added mainly to prevent theft, e.g. tracking devices, immobilisers and other after-market locks, but now GPS companies have teamed up with insurance companies in Europe to track the driving habits of drivers.

Insurance companies have always categorised their clients according to "risk factors" like the area where you live, your age, your gender and the type of car that you want to insure. This is the industry standard, but it can be frustrating for drivers who are paying high premiums simply due to these factors. Well now you can prove to your insurer that you are a low risk client even though you may be a young male who drives a high-powered car, which is usually seen as high risk.

This type of technology has been around for a number of years already in tracking systems used by fleet managers, logistics companies and transport suppliers to track the driving habits of their drivers. This technology has now been incorporated in (PND's) personal navigation devices for light vehicles. The suppliers of these PND's have launched these new features to try and counter the stiff competition for mobile GPS's and GPS applications found on most mobile devices and app stores.

These new devices track the braking, speed, acceleration and distance travelled to give insurers valuable data of how the car is driven. If you brake gently most of the time, drive very few kilometres every month and take-off gently from stop signs or traffic lights then you can expect to get a discount on your insurance premium as you would be profiled as a "safer driver". The device can also track the amount of times that the driver exceeds the speed limit of the specific road that they are on and put this into usable data to be sent to insurers. The one slight downfall of this is that you would need to keep your GPS device on every time you drive in order to produce accurate data.

This is just another small way that drivers can save on their insurance premiums. This technology effectively puts you in control of your premium as long as you obey the traffic rules and drive in a safe manner. PNDs with this technology are expected to reach South Africa in early 2013, but no SA insurance companies have mentioned that they will endorse this technology as yet.