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Risk Advisor - RMAS Newsletter

28th October 2010

Welcome to the latest copy of Risk Advisor from Risk Management Advisory Services. In this newsletter we will provide you with information on the latest changes to Employment Legislation, let you know about our Motor Fleet Risk Management offering and introduce you to Judith Rowntree, one of our Employment Specialists; and more. Please read on for more information about the services from RMAS


What's in this month's newsletter?




Employment News, Motor Risk Management, Credit Control and more

Employment Law Update October 2010

As many of you will be aware the Equality Act came into force in October 2010.  It has been in the pipeline since February 2005 and since then there have been many reviews and consultations regarding ‘fairness’.


As an employer your obligations remain largely the same. The Act harmonises and replaces previous legislation (such as the Race relations Act 1976 and the Disability Discrimination Act 1995) and ensures consistency in what you need to do to make your workplace a fair environment and to comply with the law.


The Equality Act covers the same groups that were protected by existing equality legislation – age, disability, gender reassignment, race, religion or belief, sex or sexual orientation, marriage and civil partnerships and pregnancy and maternity.    The Act extends some protections that were not previously covered, and also strengthens particular aspects of equality law.  As a result, you may need to review and change some of your policies and practices. 


Just some of the changes:


Interview PanelDiscrimination

Discrimination by association already applies to race, religion or belief and sexual orientation it has now been extended to cover age disability, gender reassignment and sex.


Perception discrimination already applies to age, race, religion or belief and sexual orientation. It has now been extended to cover disability, gender reassignment and sex.

Indirect discrimination already applies to age, race, religion or belief, sex, sexual orientation and marriage and civil partnership.  It is now extended to cover disability and gender reassignment.
Indirect discrimination can occur when you have a condition, rule, policy or even a practice in your company that applies to everyone but particularly disadvantages people who share a protected characteristic.


Harassment applies to all protected groups except for pregnancy and maternity and marriage and civil partnership. Employees will now be able to complain of behaviour that they find offensive even if it is not directed at them and the complainant need not possess the relevant characteristic themselves.
Third party harassment already applies to sex but it has now been extended to cover age, disability, gender reassignment, race, religion, or belief and sexual orientation.
The Equality Act makes you potentially liable for harassment of your employees by people (third parties) who are not employees of your company such as customers or clients.    


Under the act the definition of disabled has changed, and under the Act a person is disabled if they have a physical or mental impairment which has a substantial and long term adverse effect on their ability to carry out normal day- to- day activities, which would include things like using a telephone, reading a book or using public transport.


The Act provides protection for transsexual people, however the Act no longer requires a person to be under medical supervision to be protected.  Therefore a woman who decides to live as a man but does not undergo any medical procedures would be covered.


Asking health related questions
The Equality Act limits the circumstances when you can ask health related questions before you have offered the individual a job. If you do ask prohibited questions and then not recruit an individual there is a potential for them to bring a claim of discrimination against you. However if an individual has passed an interview and an offer of a job has been made you are allowed to ask appropriate health related questions.


Sharing Pay information
The Equality Act makes it unlawful for you to prevent or restrict your employees from having a discussion to establish if differences in pay exist that are related to protected characteristics.


Future legislation to look out for

In April 2011 Additional Paternity leave and further rights to request flexible working is due to come into force. In addition to this in April 2011, the right to request flexible working is to be extended to those with responsibility for children up to the age of 18.  However the coalition government is planning to address the whole issue of flexible working to see whether requests could be open to all staff. The right to request time off for training is due to be extended on 6th April 2011 to all companies (not just those with over 250 employees).
In addition to this the Bribery Act will also come into force in April. 
The issue of retirement is also changing next year (October 2011) with the coalition government removing the fixed retirement age of 65.  How this will work in practice is one to keep up to date with.

Stay in touch with changes to employment by contacting RMAS on 084 321 81 673 or email


Motor Fleet Risk Management

Motor Risk ManagementRoadhawk in-car/cab recording systems from RMAS

RMAS are leaders in the field of motor fleet risk management. We are always looking for new areas to assist our client in their motor risk management measures. One of the key areas is in the area of claims defensibility. We led the market in developing “cab pack” an in-car/cab pack consisting of a disposable flash camera, short form claims statement and of course a pen (marked with the insurance broker’s phone number) to record all the details of the accident.


The latest developments in video technology have now resulted in in-car/cab recording systems. These automatically record on-road events, such as heavy braking, a sudden change of direction, or a collision utilising a g-force activation system. This automatically activates a film clip of both the event post activation but also the event leading to the activation. Up to 3 minutes of recording pre-event and 1 minute of post event action is held on a memory card.

The system we recommend is Roadhawk.


Roadhawk was developed in 2008 by DCS Systems Ltd. In 1998, the founder of DCS Systems, Mark Nelson was involved in a serious road traffic accident caused by a holiday maker in the UK driving on the wrong side of the road. The case was taken to court and took over 3 years to resolve. If Mark had the facility to have a car safety black box camera in his car then it would never had taken this long as he would have had evidence of the other drivers actions resulting in a saving of a considerable sum of money in the process.


DCS Systems Ltd have been running Dogcamsport since 2006, a successful business providing in car and on bike filming kits for members of the public and professionals including; BBC, ITV, Sky TV, Police forces and the MOD amongst others. DogCam also specialise in body worn video equipment for sports use and security services. The DCS Systems mission is to provide the very best in customer service and product support whilst bringing some of the most exciting camera technology to the market.


If you would like to find out how Roadhawk can be incorporated into your motor risk management strategy contact RMAS on 084 321 81 673 or email


Meet the Team

Introducing Judith Rowntree of JKR Consulting, one of the team of Employment Specialists at RMAS


JKR Human Resources provides HR services to clients of all sizes and sectors. Judith Rowntree, Director of JKR Human Resources has over 20 years experience in Human Resources across a variety of sectors including manufacturing, financial services, education, catering and the public sector. 


She is MCIPD qualified with a Masters degree in Law and Employment Relations.


JKR Human Resources provides a professional human resources service, working with clients to develop tailored solutions that are unique to their requirements. These will be the best fit for the organisations current and future business needs.


We work with organisations both large and small that require HR support, whether it be providing advice or taking on specific HR projects.


Human Resources teamOur services include:

  • Discipline and grievance
  • Absence management
  • Appraisals
  • Diversity
  • Contracts
  • Handbooks
  • Policy development
  • Job descriptions
  • Recruitment and selection
  • Redundancy/ change management.


Getting the right HR support can make all the difference to your business.  Employment legislation and policies and procedures are a complex area and JKR Human Resources can support your organisation through this complexity and work with you to find a pragmatic solution for your business.

We are currently offering a free HR health check so if you would like to have an assessment of your HR policies and procedures  or if we can help with any HR issue please contact RMAS on 084 321 81 673 email or Judith at
email :   
telephone:       Judith Rowntree  07738 286876
For more information visit the JKR website:


Credit Control

Credit Control System now available from RMAS


Credit Control GraphRMAS are pleased to announce that we now have a full cycle credit control system available for clients. We are excited to bring this additional service to our current and prospective clients. Full details will follow in next month’s edition of Risk Advisor but we are certain that this system will assist businesses of all size efficiently manage your customer debt from account set up through to chaser letters/emails, and then to payment, including if necessary through to legal action.


The system also utilises the ROSI Monitor system which immediately notifies you if one of your customers fails to pay other suppliers after they have had a demand letter from a Debt Collection Agency or solicitor.


If you would like assistance with establishing an efficient credit control system call us on 084 321 81 673 or email


It Makes You Think


At RMAS we are always amused by life’s little sayings, particularly when they can be so stupid.

Here are some of our favourites.

Makes you think
  • Good grief
  • Same difference
  • Silent scream
  • Living dead     
  • Alone together
  • Small crowd

and of course –

  • Government organisation

You may have some of your own. We are always interested in hearing from you so please forward any examples you may have.

Don’t forget we can arrange a free review of your employment procedures and can send you our Employment Guide “Working Together”. Just call 084 321 81 673 or email