Risk assessment starts with checking drivers’ licences. From June this year, the Financial Director magazine paper counterpart goes digital, making it more difficult to inspect. “The biggest risk to a company is not having in place a solution to check driving licences because a driver will not be able to produce a document without going online to create it in front of their employer,” says managing director of Licence Bureau Malcolm Maycock.

Penalty points on a licence are not only an indication of a driver’s attitude to the law. If someone with an otherwise clean record gains three lots of speeding points in quick succession, it could be stress-related: that person is not concentrating. Whereas, says Maycock, “if they collect points over 14 months for failing to comply with a road sign, using a hand-held mobile phone and speeding, they appear to have a total disregard for any offences”.

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