Category Archives: Business Insurance

GDPR – What on EARTH?!

The General Data Protection Regulations (GDPR) will impact how your organisation handles sensitive personal information, which includes employee phone numbers, home addresses and bank account numbers. Most likely, your health and safety system or department stores a great deal of this information. For that reason, it is essential that you take the necessary steps to ensure that you are compliant.

  • Understand and document your processes for collecting, handling and storing personal information, and ensure that they meet GDPR requirements.
  • Keep detailed documentation of the personal data you hold.
  • Conduct a cyber-risk assessment to evaluate the security of your personal information digital library.
  • Consider whether your insurance arrangements need to be adjusted to include Cyber Liability Insurance (Contact us for help with this)
  • Have clear documentation of where and how personal information is shared with third-party organisations.
  • Review and define your organisation’s justifications for storing personal information.
  • Assess the potential risk if your store of personal information was affected by a cyber-breach.
  • Adopt GDPR data retention policies and establish a process to ensure that your organisation remains compliant.

For more information on ensuring compliance, contact GRP Insurance Services today.

Lorry, Coach and Bus Drivers Face Steeper Fines

Beginning on 5 March, Driver and Vehicle Standards Agency (DVSA) traffic examiners will begin issuing on-the-spot fines to any lorry, bus or coach drivers for drivers’ hours offences committed in the last 28 days, such as exceeding daily driving limits or not taking enough breaks. Previously DVSA examiners could only fine drivers for offences committed that day, or ongoing offences such as manipulating tachograph records.

If drivers are caught breaking the rules, a DVSA traffic examiner can fine them up to £300. However, in a single roadside check, the traffic examiner can now issue fines for up to five separate offences, which means a driver could be fined up to £1,500. This applies no matter where the offence occurred.


What’s the Problem?

Driving tired is a serious problem. About 40 per cent of sleep-related accidents involve commercial vehicles, while driving tired is responsible for 20 per cent of all accidents, and up to 25 per cent of all serious and fatal crashes, according to government data.

What Rules Will DVSA be Scrutinising?

Here are the rules that the DVSA will be enforcing:

  • Drivers (and employers) cannot and will not manipulate tachograph records.
  • Drivers can work an average of 48 hours, but no more than 60 hours in a single week.
  • Drivers can drive no more than 10 hours each night, unless there is a workforce agreement to work longer.
  • Drivers must take a 30-minute break for every six to nine hours of work. If drivers work more than nine hours, they must take a 45-minute break. (Note: Breaks can be broken up into 15-minute segments.)
  • Drivers must take a 45-hour rest break at least once every two weeks. Since 1 November 2017, DVSA has the authority to fine drivers up to £300, if they spend their full weekly rest breaks parked in places where it causes a problem, such as a layby.
  • Drivers must take their weekly rest after six consecutive 24-hour periods of working.
  • Drivers must not take their weekly rest breaks completely in the cab of their lorry.

What Counts as Work?
Here is what the DVSA considers work for drivers:

  • Delays at a distribution centre
  • Time spent travelling in the vehicle, but only if no work is carried out, such as navigating
  • Reporting for work before being informed that no duties are to be undertaken for a specified period
  • Accompanying a vehicle being transported by boat or train

How Can I Comply?

If your organisation employs lorry, bus or coach drivers, or you yourself are a driver, here is some simple guidance to help you comply with the DVSA’s driving rules:

  • Plan where in your route you will take your breaks as well as daily and weekly rests.
  • Be aware of the signs of fatigue, which include restlessness, lapses in attention and dizziness.
  • Get a good night’s rest and avoid indulging in too much caffeine, nicotine and other stimulants.

Be Smart, Be Mindful, Be Safe

For more information on the latest news about fines and regulations, contact GRP Insurance Services today.

Common Risks for Commercial Drivers

Because many people drive every single day, they tend to forget how dangerous it really is. But just because people are accustomed to driving does not mean they are safe while doing so. For commercial drivers especially, driving involves regularly travelling at high speeds on congested motorways.

Many drivers make the mistake of believing they are invincible behind the wheel. Commercial drivers spend so much time on the road that driving begins to feel like second nature. But be careful—complacence begets carelessness.

As an employer or manager of commercial drivers, you must ensure your employees stay alert behind the wheel and avoid the numerous and varied risks on the road. Educate yourself and your employees on the following dangerous everyday driving risks.

Driver Fatigue

Tired drivers are lethal. The Driver and Vehicle Licensing Agency estimates that one-fifth of accidents on motorways may be caused by drivers falling asleep while driving. Although commercial drivers often feel they are able to drive for long stretches without a wink of sleep, they will eventually need to stop and rest. Continue reading