Latest News and Articles
See below the list of our latest news and articles from our BLOG on the Einsure website:
What are the laws on Child Car Seats?
We all want to keep our children safe when it comes to car travel but are you aware of the laws in the UK about child car seat safety? If not, then you can find a brief outline below;
Child/Booster Seats:
When it comes to using a child car seat, these must be used until the child is either 12 years old or reach 135cm tall, whichever comes first. Once they reach either 12 or alternatively 135cm the child must wear a seat belt. It is the drivers choice as to whether they want to use a child seat based on either height or weight. We outline a brief guide below;
Height-based Seats: Also known as ‘i-Size’ seats.
If the child is under 15 months old, the child seat must be rear-facing. Once the child reaches 15 months old they can then be placed into a forward-facing car seat.
It is the driver’s responsibility to ensure that the seat is suitable for the height of the child.
It should be noted that only EU-approved height-based child seats can be used in the UK, these can be identified by a capital ‘E’ in a circle and ‘R129’ on the label.
Weight-based Seats:
Again, only EU-approved weight-based car seats can be used in the UK, these are identified by looking for a ‘E’ in a circle and ‘ECE R44’ on the label.
Below, we identify the seat to be used depending on a child’s weight;
0-10kg (group 0)
Seat:
Lie-flat or ‘lateral’ baby carrier
Rear-facing baby carrier
Rear-facing baby seat using a harness
0-13kg (group 0+)
Seat:
Rear-facing baby carrier
Rear-facing baby seat using child harness
9-18kg (group 1)
Seat:
Rear or forward-facing baby seat using a harness or safety shield
15-25kg (group 2)
Seat:
Rear or forward-facing child car seat
High-backed booster seat or booster cushion using a seat belt, harness or safety shield
22-36kg (group 3)
Seat:
Rear or forward-facing child car seat
High-backed booster seat or booster cushion using a seat belt, harness or safety shield
Fitting a car seat in a vehicle
The child car seat must be fitted using ISOFIX anchor points or you must ensure that the car seat is specifically designed for use with a lap seat belt. Failing this, the child’s car seat must only be used in the car’s seat belt has a diagonal strap.
In addition to the above never fit a child car seat to side-facing seats and any front airbags should be deactivated before fitting any rear-facing baby seats in the front.
There are a few exceptions as to when a child over the age of 3 can travel without a car seat, these are as follows;
- The child is in a taxi
- The child is in a minibus, coach or van
- The journey the child is travelling on is unexpected and a state of emergency
- There is no room for another car seat
In most other cases, a child under the age of 3 years must always be in a car seat.
Insuring a house you’ve built yourself
Who hasn’t dreamed of building their own house? I’m sure at some point we all have. If you’ve employed a local professional builder to make your dreams a reality, insurance can be mind boggling. Thanks to our partnership with QuoteZone, we can help comparing quotes a breeze!
What to consider before building your house?
Thanks to a recent article from J&K Developments in Derby, they wrote about the Top 5 Considerations before building your own house – It is well worth a read, especially if you haven’t got your project off the ground yet.
Taking the main points from the website, here is a list of things to consider:
- Finding the Perfect Plot
- Initial Plans and Design
- Potential Planning Persmission Issues
- Choosing the right builders
- Future Considerations and Long-Term Planning
- Finding the right Home Insurance
Comparing Home Insurance for a New House
It’s super important that you get the right home insurance coverage for your new property, make sure before you start trying to obtain quotes that you’ve got all of the relevant information.
This includes matieral type, security options and types of windows. It might ask you about local waterways and historic issues where the house has been built.
Click the button below and compare your home insurance quotes from multiple suppliers.
Get £50 when you switch to Octopus Energy with our referral code
With the rising costs of energy, it’s super important to not only be on the right energy tariff, but to also use a highly recommended energy provider like Octopus Energy. And, by using our link, you can bag yourself £50 in credit.
Plus, once you’ve switched, don’t forget to share your own referral link with friends and family and be rewarded each time with £50 credit, that goes for both parties!
Why choose Octopus Energy?
Whilst Octopus Energy is very new, it has grown to one of the largest energy suppliers in the UK, famed for its fantastic customer service and incentives.
Got an electric car? Then you’ve got a choice of tariffs that allows cheap charging during the not so busy hours and at amazing rates.
Octopus Energy App
Octopus supply an app that can be downloaded from the Apple and Android app stores, this allows you to keep a close eye on your energy usage and previous bills.
It allows you to submit meter readings, take part in savaings sessions and spin the wheel to win bill credit.
Referral Code
By using the referral code, it gives both yourself and Einsure £50 bill credit for switching, business owner? You could get £100 bill credit!
Just use the following code to sign-up to Octopus Energy:
https://share.octopus.energy/straw-snail-434
If you’ve already started the switch, speak to the team and give them the code above and they will add this on retrospectively.
Looking to save money on your Home Insurance?
Don’t forget that thanks to our partnership with QuoteZone, you could save money on your Home Insurance Quotes, the form is super quick to complete and could be well worth your while, please use the button below:
Car Subscriptions vs. Car Leasing
In the dynamic realm of the UK’s automotive landscape, a transformative trend is capturing the attention of forward-thinking business professionals and industry insiders alike.
Picture Sarah, a savvy executive navigating the bustling tech sector, constantly seeking innovative and cost-effective solutions for her transportation requirements. Amidst the backdrop of traditional leasing feeling increasingly rigid, Sarah finds herself drawn to the emerging car subscription services offered by Cocoon Vehicles, promising unparalleled flexibility, simplicity, and a bespoke approach to driving.
This scenario mirrors a broader market shift, where individuals and businesses are reassessing their vehicle acquisition strategies, weighing the advantages of car subscriptions against the conventional leasing model.
The Rise of Car Subscription Services:
Car subscription services are swiftly gaining momentum across the UK, heralding a fresh paradigm in vehicle usage. This innovative model enables customers to access a diverse fleet of vehicles for a monthly fee, encompassing insurance, maintenance, and roadside assistance, all without the protracted commitments associated with traditional leasing agreements. Reports from McKinsey & Company underline the surging consumer interest in subscription models, projecting that by 2025, the global car subscription market could represent nearly 10% of all new vehicle sales in Europe and the US, with the UK market playing a pivotal role in this growth trajectory.
Subscription vs. Leasing: A Comprehensive Evaluation:
Cost Implications:
Cost is a pivotal factor influencing the decision-making process for business professionals when weighing the merits of car subscription versus leasing. While leasing typically entails lower monthly payments owing to the depreciation of the vehicle’s value over the lease term, these apparent savings can be deceptive due to additional expenses at lease-end, such as charges for exceeding mileage limits or wear and tear. Conversely, Cocoon Vehicles’ car subscription services offer a transparent and all-encompassing cost structure, with the monthly fee covering a wide array of services and minimal initial payments. This can be particularly appealing for businesses seeking budgetary predictability and transparency.
Flexibility and Convenience:
Flexibility emerges as a key differentiator between car subscription and leasing arrangements. Traditional leasing contracts often confine customers to fixed terms spanning two to four years, with hefty penalties for premature termination. In contrast, Cocoon Vehicles’ car subscription services empower clients with the freedom to swap vehicles or terminate the service with shorter notice periods, aligning seamlessly with the dynamic demands of contemporary business environments.
Tailored Solutions with Cocoon Vehicles:
Cocoon Vehicles distinguishes itself in the UK’s car subscription market by offering a diverse range of vehicles and subscription plans tailored to meet a myriad of needs and preferences. For consumers seeking optimal car subscription solutions, Cocoon Vehicles delivers a seamless and personalised experience, ensuring clients can reap the benefits of car subscription without the usual hassles associated with vehicle acquisition.
In Conclusion:
As the automotive landscape continues to evolve, the discourse surrounding car subscription versus leasing in the UK assumes greater relevance for discerning business professionals and industry insiders. The choice between these models hinges on various factors, including cost, flexibility, and the unique requirements of the consumer or business. With their promise of convenience, inclusivity, and adaptability, car subscription services offered by Cocoon Vehicles emerge as a compelling alternative to traditional leasing, heralding a potential transformation in how we conceptualise vehicle usage.
As we gaze towards the future, one question looms large: Will the burgeoning preference for flexibility and simplicity propel a majority of UK professionals towards car subscription services, reshaping the automotive industry as we know it?
If you’re intrigued by the prospect of subscribing to a car for your business needs, click the button below to discover the bespoke car subscription solutions offered by Cocoon Vehicles.
Find A Car Lease Service
If subscribing to a car isn’t for you and you like the idea of being committed to the same vehicle for 2/3 years, then click the button below to access the FIND A CAR LEASE service. Enter your requirements and the team will scour. no less than 12 different funders to find you the best price on your next car lease.
Car Subscription Insurance
Not all car subscriptions include insurance as standard, that isn’t a bad thing! By providing your own cover you can use your own no claims discount, you know exactly what cover you require and you can add things on like additional drivers without the additional charges levied by some subscription providers.
Use the link below to get insurance quotes on your next car subscription, it could save you money!
Can I use my No Claims Bonus from a company car?
In the realm of job perks, few offerings rival the allure of a company car. Yet, what unfolds when you bid adieu to the job or no longer require the business-issued vehicle? The transition from company car driver to private vehicle owner can be both exhilarating and daunting, especially when it comes to navigating the intricacies of insurance, notably the coveted No Claims Bonus (NCB).
Understanding the No Claims Bonus (NCB):
In essence, the No Claims Bonus serves as a token of appreciation from insurers for maintaining a claim-free record over a designated period. This reward translates into a reduction or discount on car insurance premiums, serving as a tangible incentive for safe driving practices.
Eligibility for a No Claims Bonus hinges on your claims history, with insurers scrutinising your record to ascertain qualification. The longer you steer clear of claims, the more substantial the discount becomes, with potential savings of up to 60% after five consecutive years of unblemished driving.
Navigating the Transition:
The shift from driving a company car to owning a private vehicle isn’t always a seamless one, particularly concerning insurance coverage. While some insurance providers may require proof of your NCB and claims history, others may offer a smoother transition process.
Fortunately, the years of accrued NCB aren’t forfeited in transit; they can be transferred to a new policy or insurer. However, this process may entail additional steps, especially when transferring NCB acquired from a company car. It’s advisable to clarify the transferability of your NCB with your insurance provider to preempt any unforeseen obstacles.
Dealing with Expiry:
Despite the spectre of expiration looming over No Claims Bonuses, there’s hope for those taking a hiatus from driving. Typically, NCBs expire after two years of inactivity, posing a quandary for individuals transitioning from company car usage.
Transferring your NCB from a company car to a private vehicle warrants meticulous attention. While not all insurers facilitate this transfer, leveraging our service to compare insurance providers can streamline the process. As long as you meet specific criteria, such as being the sole user of the company car, being named on the insurance policy, and furnishing requisite proof, the transfer process of your NCB to your new provider should proceed smoothly.
Unlocking the Full Potential:
Ready to harness the full potential of your No Claims Bonus? Let Bobatoo alleviate the hassle of insurance transitions. With just a tap, you can procure a quick and tailored car insurance quote, leveraging the power of your hard-earned NCB. Don’t let your safe driving history go unrewarded—get your quote today!
Comparing Car Insurance
Thanks to our partnership with QuoteZone, we help you try and find the besr deal on your car insurance nationally or local to Derbyshire, this can help you and potencially your bank balance.
It takes 2 minutes to complete and could save you a wad of cash!