Are You Thinking of Buying a Thatched Property?

Are You Thinking of Buying a Thatched Property?

Thatched roof properties are fairly rare in the UK yet many people dream of owning one. There’s a unique charm that thatched properties have that just cannot be replicated with a standard More »

Why Have Coffee Shops Become So Popular in the UK?

Why Have Coffee Shops Become So Popular in the UK?

If you walk down any high street in the UK these days then it will become immediately apparent just how popular coffee has become in this country. Britain is often associated with drinking More »

5 Ways to Make Your Shop A Success

5 Ways to Make Your Shop A Success

Running a shop comes with a lot of challenges. As well as the day-to-day running of it, you need to think about how to stay competitive as well as protecting your business More »

The Steps to Becoming a Landlord

The Steps to Becoming a Landlord

Many people in the UK are now choosing to rent rather than buy. This is due to a combination of factors, including higher mortgage rates and an unstable job economy amongst others. If More »

A Guide to Owning a Horse

A Guide to Owning a Horse

Go anywhere in the countryside in the UK and you’re likely to find plenty of horses. Considering they’re not what you’d consider traditional pets, horses are incredibly popular in the UK.  More »

 

Steps to Becoming a Taxi Driver

Taxis are everywhere in the UK, particularly in the capital city of London. Black cabs have become synonymous with UK culture and many people who live in the country have considered becoming a taxi driver at one point or another. Anyone who holds a UK driving licence can train to become a taxi driver so the barrier to entry is fairly low. However there’s more to it than meets the eye so to help you decide if it’s the right career for you, below is some very useful information. Is the job right for you? Before we look at the requirements for becoming a taxi driver, it’s a good idea to think about whether the job is right for you. There are certainly a lot of pros to being a taxi driver. These include – You’re not sat behind a desk all day You get to meet a lot of new people from all walks of life You can make good money if you put in the hours However it’s not all upsides. Some of the pros of being a taxi driver are – It can be dangerous, especially when dealing with drunk and/or aggressive passengers Taxi drivers often work long/irregular hours It can be very stressful, particularly when driving at busy periods of the day Requirements In order to drive a taxi legally in the UK, you have to meet certain requirements. One of the minimum requirements that people often wonder about is the minimum age you need to be to become a taxi driver. This will depend on which part of the country you live in. In some areas you can apply to become a taxi driver when you’re 18 but in many areas of the country, including London, you must be at least 21 years of age. You must also pass a medical and complete a driving skills assessment. Getting insurance Getting taxi insurance is a must when you work as a taxi driver. Some taxi firms might insure their own vehicles but if not, you must take care of the insurance yourself. There are many excellent providers of taxi insurance so you shouldn’t have too much trouble finding cover at a reasonable rate. When you drive a taxi, you need to get a special type of cover known as taxi insurance. This is because you need to cover for other risks that come with the job,…

Are You Thinking of Buying a Thatched Property?

Thatched roof properties are fairly rare in the UK yet many people dream of owning one. There’s a unique charm that thatched properties have that just cannot be replicated with a standard roof. There are many great things about owning a thatched property but also things you need to be aware of before you take the plunge. Below are some of the main things you need to think about when considering a thatched property – Cost – The cost of a thatched roof property is one of the biggest things you need to take into account. Thatched properties tend to be located in desirable areas and when you take this into account along with the cost of the property, they’re usually not cheap. Be sure to have an expert assess the property for you so you have a good idea of what its actual value is. Safety – Safety is a big issue for thatched property owners. As great as a thatched roof looks, it can pose a significant fire hazard if you don’t take the right precautions. In order to ensure the property is safe, you should have the chimney and flue inspected regularly. At least one smoke alarm is also a must. Insurance – When you own a thatched roof property, a standard home insurance policy usually won’t cut it. This is because the rebuild costs for a thatched property are significantly highers due to the special expertise required. Luckily there re specialist providers of insurance for thatched properties. Sites such as Thatched Insure are great for getting thatched property insurance quotes since you can get quotes from multiple providers with minimal hassle. Getting multiple quotes is always recommended as it can save you a good deal of money. Restrictions – Thatched properties are often listed, which means you’ll need to obtain permission from the local council if you want to alter or extend them in any way. ‘Listed’ simply means that the property is of cultural or historical significance. Location – The location of a property that you’re considering is always important. You should think about your lifestyle and what type of area you would be suited to living in. A lot of thatched roof properties are in the countryside but that’s not always the case so you should be able to find one in a location that’s ideal for you.…

How to Find a Good Courier Service

With Christmas just around the corner, many people are looking for reliable courier services. This could be because they’re selling things on eBay to make a bit of extra money before the holidays or due to sending Christmas presents to relatives who live in other parts of the UK or even in different countries. Whatever the case, finding a reliable courier that you can use can make your life much easier. Below are some of the most important things to consider when looking for a good courier service. Range of services One of the first things to look for with any courier is the range of services they offer. Most couriers will at least have a couple of services but there more services the better since it gives you more options. For example they’ll be times when you want to make sure a parcel gets there next day and other times they’ll be no hurry and so you’ll want to save money using a budget service. Always be sure to comprare prices for comparable services for other couriers to see if you’re getting a good deal. Any good courier should offer a way to track your parcel. A lot of couriers now give you the option to have text alerts sent to your phone so you can see each of the stages that the parcel goes through on the way to its destination. Customer reviews Knowing what other people say about a courier service is a very good way to gauge how reliable they are. Sites like Trustpilot are excellent for getting unbiased reviews from real customers. Be sure to look at the good and bad reviews so you can get a clearer picture of what sort of problems the company has and how they deal with them. Here is a list of the top scoring courier services in the UK. What if something goes wrong? You should have a clear picture of what happens if something goes wrong with your delivery. Any good courier service will include a certain amount of compensation for lost/damaged parcels as standard (usually between £50-100) but if you are sending a valuable item then you need the option to add additional insurance. Any good courier services will have goods in transit insurance included in their courier insurance policy so they should be able to offer you the insurance you need to cover any…

Have You Ever Considered Starting a Business in the Motor Trade?

The right insurance is vital when working in the motor trade. Whether its part time motor trade insurance, full time traders cover or mobile mechanics cover sites like www.traders-insurance.com enable you to get quotes from a range of different motor trade insurance providers so you can compare them easily and choose the best one. Working with cars can be a very profitable venture if you know what you’re doing. There are countless businesses in the motor trade and if you’ve ever considered starting a business in the motor trade then you should find this article extremely useful. Below are some of the key things to consider when starting a motor trade business Getting Insurance Since those working in the motor trade need to work on and/or transport customer vehicles, they need a higher level of cover than regular motor insurance. Motor trade insurance is a special type of cover that provides protection for all the risks that come with working in the motor trade, including road risks, liability claims from both employees and the public; and over the business itself. Choosing an industry Below are some of the main industries within the motor trade – Car sales Mechanics MOT centers Mobile mechanics Valeters Car auctions Delivery agents When thinking about what part of the motor industry you’d like to start a business in, it’s a good idea to consider where your strengths lie and what you have experience with. Many people who work in the motor trade start off buying and selling cars. The good thing about buying and selling is there’s no barrier to entry. As long as you have enough money to buy a car that you can make a profit on, you can start immediately. Of course you will be limited as to how much you can sell if yo don’t have a premises… Getting a premises Key things to consider when choosing a premises include – Location – The location of your premises is absolutely key when you run a motor trade business. Visibility is a must since it will help to bring in customers and give you a much better chance of success. Price – Price is of course another key consideration when choosing a premises. Generally the cost of a premises will depend on where it’s located and its size amongst other factors. It’s important to stay within your budget until you’re confident…

Getting the Right Cover for Your Minibus

If you drive a minibus then it’s essential that you get the right type of minibus insurance, particularly if you rely on your vehicle for work. Types of minibus insurance Below are some of the different types of minibus insurance that you can get – Pleasure use – If you use your minibus for personal use as well as work then you can get a policy that allows you to drive it for pleasure use. This is particularly useful for people who use their minibus as a family vehicle in addition to a work vehicle. School minibus insurance – If you work as a school minibus driver then you’ll certainly need to get a policy that covers you for the risks that come with doing this. Sites like Clean Green Cars enable you to get school minibus insurance quotes very easily. Charity minibus insurance – If you drive a charity minibus then you should be able to get a discounted policy known as charity minibus insurance. You just need to provide the correct documentation to show that you do indeed use your minibus for charity reasons. Taxi minibus insurance – Taxi minibus drivers must get either a public hire or private hire taxi minibus insurance policy depending on the type of firm they work for. Cover options Below are some of the main cover options you can get with a minibus insurance policy – Third party – Third party insurance is the cheapest type of cover you can get for a minibus although it will only provide protection for other road users. If you want more protection for your own vehicle then you should get a third party, fire and theft; or fully comprehensive policy. Comprehensive – A comprehensive policy will cover your own vehicle even if you’re involved in an accident where you’re to blame. A comprehensive policy usually includes cover for fire and theft too. Liability claims – Liability claims are very commonplace nowadays so getting cover for them included in your policy is certainly something worth considering. Breakdown assistance – You want to know that if you were to break down then you’d be back on the road as soon as possible. Therefore you should certainly make sure you have breakdown assistance, whether you get it included in your policy or from a third party provider.…

Buying Your First Minibus

If you’ve never owned a minibus before and are considering buying one for the first time, then you should find the guide below extremely useful. What to look for Size – Minibuses can vary quite a lot in size so this is something you definitely need to consider before making a purchase. Think about what you’ll use your minibus for and buy accordingly. Generally the larger the vehicle, the more it will cost. This includes running costs and insurance too. Age – The age of the vehicle is also an important thing to consider. Generally older vehicles that have done a greater amount of miles will be more prone to faults and breakdowns. A new vehicle would be the ideal but you can also find used minibuses that are in good condition with low mileage. Condition – When looking for a minibus, you should inspect the vehicle carefully inside and out for damage and other issues. Where to buy Where you buy your minibus from is important. Although buying privately will often allow you to save money on the initial purchase, you won’t get any guarantees so if something goes wrong it will be up to you to fix it. If you buy from a garage then be sure to find out exactly what guarantees you get and if there are any additional costs. Getting insurance Getting minibus insurance is one of the first things you’ll need to do after you’ve bought your vehicle. There are many excellent sites where you can get minibus insurance quotes easily. Getting quotes is one of the best ways to save money on minibus insurance. A couple of other good ways to save money are – Get a limited mileage policy – If you don’t plan to use your minibus as an everyday vehicle then you can reduce the price of your minibus insurance by getting a limited mileage policy. This is where you agree with your insurance provider to stay under a certain number of miles in a given period of time. Get charity minibus insurance – Providing you can show you have the correct permits, you can get a charity minibus insurance policy for a much discounted rate. …

How Old Do You Need to Be to Drive a Lorry for a Living in the UK?

If you love driving then you might be currently thinking about becoming a Lorry driver. In order to drive a heavy goods vehicle (HGV) in the UK, you need to meet certain requirements and have done the necessary training. The training for becoming a lorry driver can be quite tough and not everyone is up to the task. Before looking at the requirements to become a lorry driver, let’s first look at the pros and cons of the job so you can decide if it’s right for you. The pros You’re out on the open road and not stuck behind a desk all day You get to see a lot of the country You can make good money if you’re prepared to put in the hours The cons It can be very stressful at times You’ll be away from home a lot The minimum requirements The minimum requirements in order to become a lorry driver in the UK are as follows – You must be at least 18 years of age You must be eligible to work in the UK You must hold a full Cat B Driver’s licence You must undergo Driver Certificate of Professional Competence (CPC) training with a licensed company The reality Although anybody over the age of 18 who holds a full driving licence can train to become a lorry driver, the truth is that just 1% of lorry drivers are under the age of 25. This isn’t necessarily just because so few young people want to do the job (although that is a big factor) but also because a lot of trucking companies will not hire drivers under the age of 25. There are couple of key reasons for this. First drivers under the age of 25 are often perceived to be more reckless behind the wheel. This is obviously something that is not appealing to trucking companies who are trusting drivers with very expensive vehicles that cost a lot to insure, run and maintain. The main factor that makes getting work for young lorry drivers difficult though is the difficulty of insuring them. Lorry firms usually insure their vehicles as a fleet and the named drivers will make a big difference to the cost of the policy. Younger drivers are much more expensive to insure (if they can get cover at all) and this alone is enough to put a lot of companies off…

How Common is Drink Driving in the UK?

Close to a thousand people are killed every year as a result of drink driving incidents, with many more seriously injured. It’s a big problem in the UK, in no small part due to the drinking culture that’s prevalent in this country. Drink driving is something that many people have done at one point or another but few would like to admit. Below are some of the main stats about drink driving as well as the consequences Drink driving stats 940 is the average number of people killed each year due to drink driving incidents 3,681 people are seriously injured on average each year as a result of drink driving Roughly 85,000 people are convicted in England and Wales each year for drink driving related offences These statistics might make for grim reading but the good news is that drink driving related deaths and injuries has been falling steadily each year for a long time now. For example, in 1979, there were 1,640 drink driving related deaths and 8,300 serious injuries whereas in 2014, there were 240 deaths and 1,070 serious injuries. Click here for a full breakdown of stats for each year from 1979 to 2014. The consequences of drink driving for individuals Drink driving is not only a very selfish thing to do because of the risk you pose to your fellow passengers and other road users but it also comes with some severe consequences if you’re caught. Harder to find employment – One of the biggest negative consequences of being convicted of a drink driving offence is that it makes it considerably harder to find employment. Even a conviction that only comes with a fine or community service will still be something you’re obligated to declare for 5 years from the date of your conviction. Even when you’re no longer obligated to declare the conviction yourself, potential employers will still be able to do a background check and find out this information. Harder to get car insurance – Having a drink driving conviction will certainly make it harder to get car insurance. Insurance providers will now consider you ‘high risk’ and as a result you can expect to pay considerably more for your car insurance. Getting convicted drivers insurance from a specialist provider is certainly an option but it’s something most people would rather avoid if possible.  …

A Guide to Private Hire Taxi Insurance

Is private hire cover cheaper than public hire? Yes. All things being equal, private hire insurance usually works out cheaper than public hire insurance. The reason for this is that driving a private hire taxi is generally less risky since they cannot be hailed from the street and must be booked in advance. What type of cover do Uber drivers need? Uber insurance is a type of private hire insurance since Uber taxis are considered to be private hire vehicles. What is the best way to get quotes? The best way to get quotes for private hire taxi insurance is online. Getting quotes online is incredibly quick and simple compared to getting them over the phone by contacting insurance providers separately. What factors affect the cost of private hire insurance? Some of the major factors that impact the cost of a private hire insurance policy are – Driving experience – Your age and the amount of driving experience you have are certainly factors that insurance providers will consider when coming up with a price for your cover. Value of the vehicle – The value of the vehicle you’re insuring is another big factor that affects price. This is why most taxi drivers will opt for a modestly priced vehicle. Level of cover – The level of cover you take out is another key factor. A third party policy will always be cheaper than comprehensive cover for example. Security of the vehicle – How secure your vehicle is will affect what you pay too. What are the best ways to save money on private hire taxi insurance? Pay for your cover annually – If you can pay for your cover annually rather than monthly then a lot of insurers will offer you a good discount for doing this. Insurance providers are a business and if they’re able to get a bigger upfront payment from you then most will certainly offer an incentive to do this. Lower the level of cover – Lowering the level of cover you get is a very obvious way to save money. A third party only policy will provide enough cover to make your vehicle road legal. Increase excess – If you’re happy to increase the excess on your policy then this will help to lower your monthly payments. Shop around – You can get quotes from many different insurance providers very easily these days and it’s…

Why Have Coffee Shops Become So Popular in the UK?

If you walk down any high street in the UK these days then it will become immediately apparent just how popular coffee has become in this country. Britain is often associated with drinking tea but coffee has become the drink of choice for millions of people across the country.  There are many reasons why coffee, and in particular coffee shops and cafe culture have become so popular in the UK. Shows like Friends in the 90s had a big impact on the popularity of coffee shops in the UK as many people sought to emulate the lifestyles of the main characters. Another big influencing factor was the surge in popularity of mobile digital devices, including smartphones, tablets and laptops. Most coffee shops now provide free wifi and as a result they’ve become a very popular place to work, socialise and relax for millennials. Have you ever thought of starting a coffee shop? Given how popular coffee has become in the UK, a lot of people think of opening their own coffee shop. Of course, the popularity of coffee shops alone is no guarantee of success. In order to run a successful coffee shop there are many things you have to consider such as – A good Location – A good location is essential for any type of shop and this certainly applies to coffee shops. A good location can be the difference between a business thriving or going under after just a few months. This is why most coffee shops are located in prime areas where there’s plenty of other shops around and therefore plenty of foot traffic. Good staff – Well-trained and friendly employees are another essential component of a successful coffee shop. It’s important to remember that people go to coffee shops not just for the coffee but for the experience too. A good insurance policy – One of the most important things that any coffee shop owner has to think about is protecting their business. This is done by getting coffee shop insurance.  A coffee shop insurance policy will provide protection for the building itself as well as things like liability claims, theft and tools and cash.…

5 Ways to Make Your Shop A Success

Running a shop comes with a lot of challenges. As well as the day-to-day running of it, you need to think about how to stay competitive as well as protecting your business against risks such as theft and vandalism. If you feel your shop could be doing better then below are some of the best ways to make your business a success.  1. Use social media effectively When it comes to advertising your shop, you have a number of different options available to you. Real world advertising such as leaflets and print ads can be very effective but you should also make use of the internet and social media. Social media marketing can be very effective when done correctly.  2. Get the best insurance quote possible Getting the best price for insurance is something that every shop owner should aim for. Thankfully there are now many sites that enable you to get shop insurance quotes quickly and easily. http://www.shopinsurances.net/ for example, allows you to get quotes from a panel of shop insurance specialists by filling out one form. When looking for shop insurance, you shouldn’t just base your decision on price however. You want to ensure that your business is properly protected for risks such as structural damage, liability claims, theft and accidents. 3. Make your storefront attractive 4. Run promotions regularly People love bargains so one of the best ways to get new customers to your shop is by running special promotions and offering discounts for new customers. Social media is great for advertising promotions and special events so you should bear this in mind when using social media to advertise your business. 5. Consider re-locating This might seem like quite a drastic step but the location of your shop can make a huge difference to its success. If you’re currently located in a spot that’s remote and doesn’t have much foot traffic then it’s not a surprise that your shop is struggling. If you re-locate it doesn’t necessarily have to be far from where you’re currently located. Simply moving closer to other shops and businesses in the area can help to improve the success of your business.  …

The Steps to Becoming a Landlord

Many people in the UK are now choosing to rent rather than buy. This is due to a combination of factors, including higher mortgage rates and an unstable job economy amongst others. If you’ve ever thought about investing in property to let then now is a great time to do it. Letting property isn’t something you should jump into without being aware of what it entails though. Bearing this in mind, below are some of the key stops involved in becoming a landlord. Invest in your first property The first step to becoming a landlord is to invest in your first property. Factors to consider when choosing your first property include – Location – Location is always important when purchasing your first property. Properties in locations that have low crime rates and lots of nearby amenities are always easy to find tenants for. Property type – The type of property is another key consideration. If you want to get the most income from your investment then an apartment building or large house that can be separated into 2 or more flats, is a good idea. Educate yourself on landlord law One of the most important aspects of being a landlord and letting property is to educate yourself regarding landlord law. This is incredibly important since you need to know both your own rights and those of your tenants in case any problems arise. If you’re not well educated about landlord law then you could do something rash that results in a liability claim being filed against you. Getting landlord insurance When you let property, having the right insurance is a must. In addition to getting cover for structural damage, you also need to protect yourself against risks such as loss of rent, liability claims and legal expenses. A good landlord insurance policy will cover you for all these things. Your first step is to get landlord insurance quotes so you can compare them and pick the best policy at the most competitive price. Finding your first tenants Once you have your property you want to find tenants for it so you can start receiving a return on your investment. It’s important to be selective when it comes to tenants since they are often the biggest source of problems that landlords have to deal with. Be sure to ask for references for previous landlords and also do an employment and criminal…