With winter having officially arrived, Carlisle-based, H&H Insurance Brokers offer Advice for the Changing Road Conditions.
“Winter presents many potential hazards for drivers, both on the roads and on farms. With travelling and road conditions changing, it is important that customers take extra care, and pay attention to reduce their risk this season, and preventative solutions are often simple and relatively inexpensive to implement”, Simon McKean, Claims Manager at H&H Insurance Brokers (HHIB), advises.
Although it is imperative to minimise the risk of accidents happening, it is now more important than ever that farmers ensure that they have the correct cover in place should the worst happen.
Whatever farm vehicle you are driving, it is important to ensure that you are safe and covered and that your vehicle is protected, and capable of protecting you. By improving on-farm working practices and keeping machinery well maintained, you will benefit from lower insurance premiums.
“This year’s report from the Health and Safety Executive unveiled that the agriculture sector still has the highest number of fatal injuries compared to all other British sectors. With roads and ground becoming more slippery with the influx of fallen leaves and ice, including reduced visibility, this ultimately increases the risk. Don’t leave anything to chance”, adds Simon (Health and Safety Executive, http://www.hse.gov.uk/agriculture/resources/fatal.htm)
To help avoid these risks, Simon recommends a number of ways to ensure your vehicle is properly prepared for the winter season:
Whilst following guidelines and advice about road conditions on signs and radio alerts are paramount to reducing risk, there are a number of habits to avoid throughout the winter when driving, reminds Simon. Stay clear from:
“By taking the time to run through the basics, you can make sure that you are well-prepared for the challenging conditions that winter can sometimes bring. However, to ensure that our clients are aware of the risks and to help them to create a safer farm environment, here at HHIB, we provide a full insurance and a risk-management service and advise farmers on improving their health and safety practices”, concludes Simon.
H&H Insurance Brokers marked its 30th year in 2017, providing farm and rural businesses with bespoke insurance policies. From relatively small beginnings, the business has grown to be one of the largest specialist independent insurance brokers in the UK.