Fireworks Endorsement relating to Category 1, 2 and 3

We exclude the operation of a fireworks display using fireworks not tested and labelled in accordance with categories 1, 2 & 3

The Categories are as follows :

  • Category 1 (“Indoor”) fireworks are for use in extremely restricted areas.
  • Category 2 (“Garden”) fireworks are for use by the public in their gardens. They must be safely viewable from 5 metres away, and must scatter no debris beyond a 3 metre range.
  • Category 3 (“Display”) fireworks are for use by the public in larger displays. They must be safely viewable from 25 metres away, and must scatter no debris beyond a 20 metre range.
  • Category 4 (“Professional”) fireworks are for sale only to fireworks professionals.

Organising a small street party or fete

Organising a small street party or fete

Street parties and fetes are a good way to get to know your neighbours and can bring people of all ages together. Find out how to plan a small party or fete and what information your council will need to know.

What counts as a small street party?

Small street parties take place in one or two streets and are for neighbours only. Larger public gatherings which are advertised and open to anyone, like carnivals, are best left to professional event planners.

Holding a small street party or fete

If you want to have a small street party or fete, you will need to tell your local council’s events or communities team. They will need to know about your event four to 12 weeks ahead of time. They will ask you some questions about your plans or send you a simple application form.

The council’s application form asks for information like:

  • the date and time of the party or event
  • whether or not you want to close a road or section of road – and its name
  • whether the road is part of a bus route or used by through traffic
  • a list of any properties or businesses affected

Your council will check that the views of everyone affected have been taken into account before getting back to you.

  • Find out how to hold a street party on your local council’s website
  • Get an application form from the Department for Communities and Local Government (DCLG) website

Closing a road for a party

If you want to close a road for your party you will need to get permission from your local council.

You will need to make sure that the emergency services can still get down the street if they need to.

If your party is on a bus route, the bus company will need to know about it in advance. Some councils contact emergency services and transport providers themselves, but others expect you to do it.

You can ask your council if you can borrow road closure signs or ask where you can hire them for the day. You can also make your own.

  • Find out how to hold a street party on your local council’s website

Organising a ‘street meet’

If you don’t want to close a road you can organise a ‘street meet’ instead. This is a gathering in a park, driveway or cul-de-sac. You can speak to your local council about your plans for a street meet.

Insurance for a small street party or fete

Most local councils don’t ask for insurance cover for a small residential street party. If your council thinks that insurance would be a good idea, costs start from as little as £50. The costs can be split between residents or you can ask for donations to cover them.

Risk plans for small events are not normally needed. If possible you should have someone who is trained in first aid there on the day.

  • Find out how to hold a street party on your local council’s website
  • First aid guide – NHS Choices

Is a licence needed for alcohol, food or music?

A licence is not normally needed for food, drinks or music at a street party.

A licence is not normally needed if you plan to provide alcohol for free at your event.

If you want to sell alcohol you will need a ‘temporary events notice’ which costs £21. You can get one from your local council.

You can serve and sell food up to 11.00 pm without a licence.

You don’t need a music licence, whether the music is live or prerecorded, as long as:

  • your street party is a private party for residents
  • the music has not been advertised in advance to attract people or to make money
  • Contact your local council

Gambling regulations – holding a tombola or raffle

If tombola or raffle tickets are sold on the day and the prizes are not worth more than £500 in total then gambling regulations do not apply. If tickets are sold in advance then speak to your council as you might have to register your raffle as a lottery.

  • Find your local council

Planning your street party or fete

Some tips for holding a successful party are:

  • plan early – get in touch with your local council four to 12 weeks in advance
  • keep it simple – don’t be too ambitious
  • involve everyone – send early invitations to everyone in the street, including businesses so that they know what’s going on

You will also need to plan:

  • seating – ask everyone to bring chairs and think about areas where children can sit
  • food – get everyone to bring food to share at set times so you can all eat together
  • decorations – you can buy, hire or make your own
  • games – think about games people of all ages will enjoy
  • music – remember it should not be too loud and turn it off well before 11.00 pm

After your street party

Let people know in advance what time the party will finish and try to stick to it. Have bin bags and recycling bags set aside. It is your street and your party so you will need to keep the local area clean and tidy up afterwards.

What is a Modified Vehicle?

A modified vehicle is a vehicle that differs from it’s original factory standard specification for fitting of either after market parts or optional items added to it.

All vehicle modifications are material information and MUST be disclosed to your Insurer. Failure to do so may invalidate your Motor Insurance policy.

What is a Kit Car?

A Kit Car is an motor vehicle that is assembled from a set of parts that a manufacturer sells and the buyer then either assembles into a car themselves, or retains a third party to do part or all of the work on their behalf. Usually, many of the major mechanical systems such as the engine and transmission are sourced from donor vehicles or purchased from other suppliers.

Kits vary in completeness ranging from as little as a book of plans to a complete set with all components included.

What is meant by Flat Rated?

Flat-Rated simply means that the premium is set at one level, but that premium will depend on a number of factors, including the age of the car and how powerful it is, whether it is garaged, where you live and how old you are etc…

Flat-Rated policies do not require or accumulate (earn) any no claims bonus, however if you do have a no claims bonus to use, you can normally attach the no claims bonus to one of these policies to keep the bonus ‘Live’ so it does not expire (as No Claims Bonus does expire after 2 years if not used) however a discount will not be given for the no claims bonus.

Please bear in mind though that if you do attach a no claims bonus to one of these types of policies and you do have to claim for any reason then the no claims bonus would still reduce as it would on a standard motor insurance policy.

Vehicle Identity Check – (VIC)

Vehicle Identity Check

The Vehicle Identity Check (VIC) is a scheme to help stop stolen cars being passed off as repaired accident damaged cars. This is also known as ‘ringing’. You can check if a vehicle needs a VIC and submit your application online.

How a VIC marker is set

Insurers should notify the Driver and Vehicle Licensing Agency (DVLA) of all cars ‘written off’ within salvage categories A, B or C. This notification will set a ‘VIC marker’ against the DVLA vehicle record. While a VIC marker remains set, DVLA won’t issue a registration certificate V5C, or vehicle licence reminder V11.

The VIC marker will only be removed when the car passes a VIC.

Checking a vehicle’s identity

The Vehicle and Operator Services Agency (VOSA) carries out the VIC. It’s designed to confirm the car’s identity and help ensure that the genuine car is returned to the road.

The VIC takes around 20 minutes to complete and involves comparing the details on the DVLA vehicle record against the car presented. The VIC is a check of identity, it doesn’t look at the quality of the repair or confirm roadworthiness. If you have any concerns regarding these aspects, you should seek the opinion of an independent expert.

Once a car has passed a VIC, the V5C issued will be annotated to show ‘substantially repaired and/or accident damaged; identity checked on dd/mm/ccyy’.

Confirming if a VIC marker is set

You can check if a VIC marker is set, by making a vehicle enquiry through the Vehicle Enquiry section of DVLA’s vehicle online services. To make your enquiry you’ll need to know the vehicle registration mark and vehicle make.

Once you make an enquiry the VIC marker will only show if it’s been set against the vehicle record by DVLA.

 By phone

You can also check if a VIC marker is set by contacting VOSA on 0300 123 9000.

Applying for a VIC

A VIC is available at 56 VOSA locations. You’ll need to complete a VIC1 application form and submit this to VOSA, together with the correct fee (see the table below).

You can submit the form online as long as you want to pay by either credit or debit card or have a VOSA pre-funded account. VOSA cannot collect your card details online, but will contact you for this once your VIC1 application form has been received.

Once your application has been processed, VOSA will notify you of your appointment.

Full instructions and the terms and conditions are given on page three of the VIC1 application form.

Test type Normal fee Out of hours fee
Vehicle Identity Check £41.00 £50.00
Appeals £41.00 £50.00

Taking the car for a VIC

When you take your car for a VIC the following must apply:

  • repairs must be conducted and the car must be roadworthy and capable of being driven under its own power
  • if it’s over three years old, the car must be covered by a valid MOT if it’s being driven to the VIC
  • the person driving the car must be insured
  • the car must display front and rear number plates if it’s being driven to the VIC – for assistance in obtaining number plates, contact VOSA on 0300 123 9000

A car can be driven directly to and from a pre-arranged VIC without road tax.

Following a VIC

If VOSA confirms your car’s identity

If VOSA is satisfied with the identity of your car, you’ll be given a VIC20 pass certificate. DVLA will be electronically notified of the pass result.

You can apply to DVLA for a V5C using the V62 form. If your car was a category C ‘write off’ you should declare this when completing the form, as you are exempt from paying the V62 application fee.

If you submitted a V62 form to DVLA before taking your car for a VIC, you’ll have received a VIC notification letter from DVLA. This letter should now be returned to DVLA, with the declaration completed.

If VOSA cannot confirm your car’s identity

If VOSA cannot confirm the identity of your car, you’ll be issued with a VIC failure notice (VIC21), which will give the reasons for failure. VOSA will refer the case either to the police or DVLA for further investigation. VOSA will monitor its progress and tell you of the outcome once complete. This may take several weeks.

If following investigation, the car’s identity is confirmed as the original, VOSA will issue a pass result. However, if the car’s identity cannot be confirmed, the VIC marker will stay on the vehicle record and DVLA will not issue a registration certificate.

VIC appeals

If you don’t agree with the result of the test, you can make an appeal to VOSA. Appeals must be submitted on a VIC17 form, together with the correct fee.

Source: www.direct.gov.uk

“Days of Grace” for my Motor Insurance renewal

For any motor policy, be it a car, van or motorcycle, you do not get days of grace to pay your premium.

You must pay your renewal premium on or before the renewal date otherwise all cover provided by your policy will cease, you will then be driving your vehicle uninsured and open to prosecution by the Police.

It is vital that you take notice of your renewal invitation and contact us prior to the renewal date to pay your premium or to make any changes in cover so that we can obtain a revised renewal premium for you, otherwise you will become uninsured.

If you are paying by installments via Direct Debit, then your policy may be renewed automatically, it is important that you contact us at least 10 days before the renewal date of your policy if there is any alterations as this may change your monthly payments. If you wish to lapse the policy then again please let us know prior to the renewal date of your policy as if you tell us on the day it will be too late to stop the 1st payment going through.

In any instance make sure you contact us before your renewal date, because there are no days of grace allowed by insurers.

Registering an Imported Vehicle

Registering an imported vehicle

When a vehicle is imported for use in Great Britain (GB), it must be registered and taxed with the Driver and Vehicle Licensing Agency (DVLA). This must be done as soon as possible as the vehicle can’t be used or kept on public roads.

New vehicles

A ‘brand new’ vehicle can be driven to GB and registered as ‘new’ provided the vehicle:

  • is registered within two weeks of collection – this may be extended to one calendar month at peak periods, eg before 1 March and 1 September
  • only has reasonable delivery mileage – DVLA considers reasonable delivery mileage to mean the vehicle being driven from the pick up point to home using a direct route
  • hasn’t been previously permanently registered
  • has been stored before registration and is a current model or is a model that has ceased production within the last two years

Advice to importers is to transport rather than drive vehicles from the port to the first destination.

New vehicles must have a certificate of conformity as proof of type approval from the supplier or vehicle manufacturer.

Left-hand-drive vehicles from within the European Community will need a certificate, issued by the Vehicle Certification Agency (VCA), under the Mutual Recognition scheme. This shows that changes have been made to the vehicle, making it suitable for use on British roads.

Vehicles that haven’t been subject to European type approval will be subject to one of the following tests, they are:

  • car – Individual Vehicle Approval (IVA)
  • light goods vehicle – Single Vehicle Approval (SVA) test if it is a (up to 3,000kg)
  • motorcycle or quadricycle – motorcycle SVA

You can drive your vehicle to and from the pre-arranged appointment before the vehicle is registered.

Import information pack

You can order an ‘import pack’ from the DVLA form ordering service. This provides all the necessary information and forms needed to register an imported vehicle.

Previously used vehicle

As part of the registration process DVLA must be sure that an imported used vehicle, that’s less than ten years old meets the required standards.

They are:

  • European type approval standards
  • UK construction and use
  • road vehicle lighting legislation.

Cars, motorcycles and light goods vehicles, first registered in another European Member State, must have a certificate issued by VCA under the Mutual Recognition scheme. Larger goods vehicles will need full UK type approval before they can be registered.

Cars, motorcycles and light goods vehicles first registered in a country outside of the European Union must pass the IVA, SVA or MSVA, as appropriate.

Vehicles moving between GB and Northern Ireland (NI)

Vehicles registered in NI that move to GB are no longer classed as being imported to GB. Also, vehicles registered in GB moving to NI are no longer classed as being imported to NI.

These vehicles can keep their GB or NI plates and tax disc, or they can request the registration plate to where they are going, GB or NI.

The vehicle registration certificate Northern Ireland (V5CNI) should be used to aid registration in GB and applications should be made at a DVLA local office. The vehicle registration certificate (V5C) should be used to help registration in NI. Applications should be made at The Driver and Vehicle Agency (DVA), Coleraine.

Insuring your vehicle

Before you can register and tax your vehicle you’ll need to get a British insurance certificate using the Vehicle Identification Number (VIN) from your vehicle.

We are able to assist with insuring your imported vehicle.

Vehicle tax

Vehicle tax will be payable in line with the vehicle’s first registration date in the UK. If the vehicle has been previously registered abroad, the date it’s first registered in the UK will determine the amount of vehicle tax that’s payable. DVLA will also allocate a vehicle registration number appropriate to the vehicle’s first registration abroad.

Registering and taxing the vehicle

You can apply for registration at your nearest DVLA local office. The application takes about a week. There is no ‘over the counter’ service.

You will need to take the following documents to the DVLA local office (photocopies or faxed copies are not acceptable):

  • completed application form V55/4 (for new vehicles) or V55/5 (for used vehicles)
  • a £55 registration fee (if applicable) and the required fee for the vehicle tax (cheques or postal orders made payable to DVLA Swansea)
  • a current British certificate of insurance
  • foreign registration document and any other papers relating to the vehicle
  • evidence showing the date the vehicle was collected (normally the invoice from the supplier)
  • evidence of type approval
  • a current British MOT test certificate (if applicable)
  • the appropriate HM Revenue and Customs form
  • a ‘Declaration that a vehicle is new’ form V267 (if applicable), available for download or from a DVLA local office
  • documentation confirming your name and address (a list of acceptable identity documentation can be found on the link below)

Registering and taxing the vehicle won’t take place unless you have the necessary documentation. In some cases the DVLA local office may wish to see the vehicle to check its identity.

Construction and Use requirements

Vehicles kept or used on the public highway in the UK must at all times comply with The Road Vehicles (Construction and Use) Regulations 1986 (as amended).

Copies of regulations aren’t available from the Department of Transport or DVLA. They can be obtained from any library or ordered from The Stationery Office Ltd (TSO).

Source: DVLA

What Is Covered?

Some Buildings insurance policies differ in the cover they provide and in their terms and conditions.

Buildings insurance policies differ in the cover they provide and in their terms and conditions. The information here is of a general nature – for detailed information you must read your policy.

Property Covered

In addition to the structure, a buildings policy covers permanent fixtures and fittings such as baths and toilets, fitted kitchens and bedroom cupboards. Interior decorations are also covered. Policies usually extend to include outbuildings such as garages, greenhouses and garden sheds. Boundary walls, fences, gates, paths, drives and swimming pools may not be covered – you need to check the policy if you need cover for these areas.

Against What Risks?

Most policies cover damage to your home by:

FireAircraft or things falling from them
LightningSubsidence, heave and landslip
ExplosionFalling trees or branches
EarthquakeImpact by vehicles or animals
TheftBreakage or collapse of aerials
Riot and malicious personsEscape of water from tanks or pipes
Storm & FloodEscape of oil from fixed heating installations

Extensions of Cover

Most buildings’ policies have valuable extensions of cover.

  • Alternative Accommodation – If your home is so badly damaged that you cannot live in it until repairs are done, your policy will help to meet the reasonable cost of alternative accommodation up to a stated limit.
  • Liability – If, as owner of your home you are responsible for any injury to someone or for damage to their property your policy will pay the damages and cost for which you are legally liable. There is usually an upper limit of £1 million or more. However, your main legal liability arises from you being occupier of your home and a contents policy covers this.
  • Underground Pipes and Cables – supplying gas, electricity, oil or water, as well as sewage pipes, are insured against accidental damage. They are not insured against wear and tear.
  • Glass – In doors, windows and skylights is covered against breakage together with baths, washbasins and WC’s.

There are limits and exceptions to every policy so make sure you have read it. It is a legal contract and if there is anything you do not understand ask for an explanation.

One word you will come across is ‘excess’. An excess is an amount of money you have to pay towards the cost of each claim.  Excesses vary in amount. They may apply only to certain types of claim or they may apply to all claims. Your policy will tell you.

One type of excess that appears in almost all policies applies to damage caused by subsidence, heave or landslip. This is usually a specific amount (for example £1,OOO). Common exclusions are war risks, damage caused by storm or flood to gates or fences, frost, sonic bangs and radioactive contamination from nuclear fuel or nuclear waste.

Be careful – Not all insurance policies are the same.

Theft of heating oil

The cost of heating oil has increased significantly recently, resulting in the theft of heating oil from both domestic and commercial properties raising.

The first indication that a theft has taken place is often when the heating stops working. Usually, it’s assumed the boiler is at fault, but regrettably the problem is often that there’s no oil left. Thefts vary from small amounts being stolen to the whole tank being drained. The methods used by the thieves can be very crude, including drilling or punching holes in the side of the tank and then filling jerry cans.

What you can do to prevent losses:

  • Monitor the level of oil in your tank regularly.
  • Conceal the location of the tank by using hedging, fencing or walling.
  • Securely lock doors at all times if the tank is situated within a building.
  • Consider installing security lighting to cover the tank, if it is overlooked by nearby buildings.
  • Ask nearby residents to be vigilant and report any suspicious activity to the police.
  • Padlock the valve. This may not always be the correct course of action, as thieves may smash the valve completely, but it can deter a less determined thief.
  • Ensure any gates are locked at night, to make it more difficult for a thief to escape with oil.
  • Install an alarm device which creates an alert if the oil level suddenly drops or if the lock is attacked.
  • Consider closed circuit television.