Serving Hearts
and Minds

When you get a quote for car insurance, the insurer will ask what you’re going to be using your car for. It’s important to answer this question honestly as otherwise you may find your policy won’t pay out in the event of a claim.

The car insurer will normally give you three options:

• social, domestic and pleasure (SDP)
• social, domestic and pleasure, and commuting (SDP & C)
• business use (SDP & C and business use)

If you drive to different locations as part of your job and for business reasons, you’ll need to have business car insurance. Business reasons might mean:

• driving to business meetings
• travel between your company’s different sites or offices
• journeys to clients’ premises
• giving colleagues lifts to anything work-related
• driving to work-related conferences or events
• carrying out errands relating to your job

This type of insurance gives you extra cover compared to a standard car insurance, and will ensure your vehicle is covered at all times.

This is NOT Commercial car insurance. Commercial car insurance is for vehicles where driving is a key part of the job role. For example, you might be an Uber driver, delivery driver or driving instructor.

The Disclosure and Barring Service (DBS) helps employers make safer recruitment decisions each year by processing and issuing DBS checks (previously known as CRB , or criminal record checks). The minimum age at which someone can be asked to apply for a criminal record check is 16 years old.

The proviso to request DBS checks is prescribed in legislation and we will only request a DBS check on an individual when we are legally allowed to do so. Due to the business participating in ' regulated activity ', we are entitled by law to ask an individual to reveal their full criminal history.

There are four types of DBS check, and each type results in a DBS certificate being issued to an individual. Employers can then ask to see the certificate to ensure that they are recruiting suitable people into their organisation. We require and request an Enhanced DBS check.

A Standard DBS check is suitable for certain roles, such as a security guard. The certificate will contain details of both spent and unspent convictions, cautions, reprimands and warnings that are held on the Police National Computer, which are not subject to filtering.
An individual cannot apply for a standard check by themselves.

An Enhanced DBS check is suitable for people working with children or adults in certain circumstances such as those in receipt of healthcare or personal care. The certificate will contain the same details as a standard certificate and may also contain non-conviction information supplied by relevant police forces, if it is deemed relevant and ought to be contained in the certificate.
An individual cannot apply for an Enhanced DBS check by themselves.

The DBS Update Service is an online subscription, for Standard and Enhanced DBS checks, that allows applicants to keep their DBS certificates up-to-date and allows employers to view an applicant’s certificate.

The Disclosure and Barring Service (DBS) Update Service allows:

• applicants to keep their DBS certificates up to date
• employers to check a DBS certificate

The service is for standard and enhanced DBS checks only.

You need to register for the DBS Update Service .

It costs £13 per year and you can pay by debit or credit card. There’s no charge if you’re a volunteer.