Hull september business editions 2017 by Humber Business

ENTERTAIN CLIENTS IN LUXURY ... LAUNCH

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METEORIC RISE OF RRADAR

BIG INTERVIEW PAGE 5

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Wednesday September 6 2017

CITY FIRM GETS AN £8M INVESTMENT Company celebrates ‘significant’ sum as it produces two millionth boiler By Henry Saker-Clark Business Reporter henr y.saker-clark@hulldailymail.co.uk

ONE of Hull’s largest manufacturers, Ideal Boilers, are looking for continued growth after being taken over by international business Groupe Atlantic this year. Groupe Atlantic is investing £8m into the Hull business after it moved its headquarters to the city. The boiler manufacturer has now hit another impressive landmark by producing its two millionth Logic boiler, after introducing the model in 2009. The firm marked production of its two millionth boiler with a celebration at its National Avenue factory and appearance from Hull city Deputy Lord Mayor Pete Allen. Adam Foy, product and marketing director, at Groupe Atlantic said Ideal is now at the forefront of the business and said it will see improvements as a result of huge investments. He said: “The investment to the Groupe Atlantic UK headquarters in Hull has been significant, and a number of the improvements are very noticeable, we are investing in excess of £8m in 2017-18 alone. “This is across all areas in the business, however manufacturing

CELEBRATING: Deputy Lord Mayor Cllr Pete Allen, centre, with Ideal Boilers production director Andy Sutton, left, and team manager Karl Hunter. Above, the firm’s National Avenue headquarters. has seen the biggest change, with new cells to increase efficiency and improve quality of the products we produce in Hull. “This is also being the case with additional manufacturing cells to centralise boiler manufacturing in Hull for the UK Division. “The Hull site is a very important strategic Centre of Excellence for the entire group, not only is it the UK divisions head office, but an

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COURT RULING: Indivior.

£1bn wiped from firm’s market value DRUG maker Indivior, which unveiled a £23m research and development facility in Hessle last month, has had £1bn wiped from its market value in the aftermath of a patenting decision in the US last week. The FTSE 250 company, spun out of locally based consumer giant Reckitt Benckiser three years ago, suffered the crash in value after fears of a significant slump in sales of one of its drugs, used to treat opioid addiction. The Suboxone treatment is a dissolvable film placed on the tongue to trick users’ brains into believing they are taking an opioid and accounts for 80 per cent of the company’s £770m revenues. But a US court ruled last week that Dr Reddy, an Indian pharmaceutical company, was not infringing clients with its generic, cheaper version of Suboxone, paving the way for it to go on sale. The potential damaging court case could place greater importance on the development of new drugs by the company at its East Yorkshire laboratory facility. In early trading on Friday, September 1, the company’s shares plunged as much as 40 per cent before recouping some of its losses. They were down 35pc in mid-afternoon trading at £2.70, still the fir m’s biggest stock dive since becoming independent from Reckitt Benckiser.

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£8m investment in Ideal Boilers Continued from PAGE 1 important manufacturing location and the base of a wide skill set utilised throughout the operation.” Groupe Atlantic bought the west Hull firm, which has 500 staff and has been major employer in the city for more than a century, in January 2015 for an undisclosed sum. The company has tripled its growth since 2009, but still sees development in the UK as its main priority. Mr Foy said: “We are constantly looking to grow our UK market share. The UK is one of the biggest boiler markets in Europe and our continued growth here is our number on objective. “Since 2009 we have more than tripled our volume. The move to connected products also presents an exciting opportunity. “Outside of this we are developing export markets and looking at our European colleagues to help open opportunities abroad.” Hull is now the UK base for Groupe Atlantic, which has 17 bases internationally, including nine in France. Mr Foy said: “We focus heavily on quality and reliability in all our products. This has been one of the keys to the growth in recent years and our products are one of the most reliable products available on the market. “Innovation is an important topic group wide; it’s one of our company values and something great focus is given to. !In 2013, Ideal Boilers received the Queen’s Award for Enterprise and Innovation for our Logic range of boilers. “The Logic boiler was launch in 2009, we are now about to reach two million manufactured. This has been an incredible success and something all the teams at Ideal have worked very hard for. Quality remains at the heart of everything we do and ensures the products stay reliable and relevant to the changing markets. “In 2016, one in four boilers sold in the UK were Ideal boilers.”

Recruitment firm grows

Agency increases to 12 staff as it celebrates 8 years in business By Henry Saker-Clark henr y.saker-clark@hulldailymail.co.uk

THE key to success is “getting the right people on the bus”, says the owner of a Hull recruitment firm, after celebrating eight years in business. David Kitney grew Emmerson Kitney from just himself in 2009, to a team of 12 staff, which is continuing to grow. The Welton-based recruitment agency is revamping its office and celebrating continued growth as the company marks its eighth year of business in East Yorkshire. The founder of the business, who bought it outright from original partner Kane Emmerson in 2010, says the business has become successful by finding the right staff and specialising in the city. Mr Kitney said: “After about 18 months, I bought the growing business outright and recruited the newest member, Amy, to get a team of two. Now there are 12 of us and we will have 14 soon. “We like to see ourselves as a small business that has done well. I’m a Hull lad who went to a rubbish school, but I’ve given my all to get us where we are. “We are quite a specialised recruiter, particularly dealing in technical areas, executive recruitment, finance and accountancy. “I’d say one of the most important to things is to do what you do well. Possibly the hardest and most important thing is learning to say ‘no’ to jobs that aren’t right for your business. “Working with certain business such as Smailes Goldie, with whom we’ve been involved in a joint venture, makes our

“

One of the most important to things is to do what you do well. Possibly the hardest and most important thing is learning to say ‘no’ to jobs that aren’t right for your business David Kitney

SCIENTIFIC APPROACH: David Kitney, founder of Emmerson Kitney. credibility in that area obvious to others. We only do something if we know we can do it well.” Mr Kitney says he hopes to expand his business further – south of the Humber. He said: “We would love to market on the South Bank, so working down there as well is a big marker in our strategic plan. “I say it’s really important to make sure you are getting the right people on the bus. “Finding the right customers is important, like finding the right staff. The right ones will appreciate and see the value in what you do. “For example, we take a very scientific approach, which is dif-

ferent from other agencies and involves psychometric testing in the procedure, and people we work with see how that works. “We are professional recruiters, so we do work closely with our customers to make sure we are getting the right people. “Sometimes we sit in on interviews, too. For example, one of my staff sat with the police recently as they tried to get the right chief constable.” The agency is one of numerous local businesses that have become partners with the new £10m Ron Dearing University Technical College (UTC), which was revealed to the public on Monday.

ADVERTISEMENT FEATURE

New Pre-Action Protocol for debt claims

ublicity is now mounting regarding the changes to debt collection, which take place this autumn. October 1 sees new the Pre-action Protocol for Debt Claims come into force, bringing with it a requirement for businesses to have more engagement with individual or sole trader debtors. Responsibilities will include the need for a creditor to give debtors longer to respond before court proceedings can be issued and to encourage earlier engagement. There is little doubt that compliance with this Protocol will prove challenging for some, bearing in mind that the requirements are designed to apply to a wide range of debts, not just the relatively sophisticated and consumer credit regulated debt. The Protocol applies to any business,

Mark Taylor, Partner in the Recoveries team at Wilkin Chapman Solicitors

including sole traders and public bodies, claiming payment of an outstanding debt from an individual or sole trader. It does not apply to business-to-business debts, unless the debtor is a sole trader. One important part of the new protocol is that there will be a requirement for a copy invoice or statement of account to be sent at ‘Letter Before Action’, (LBA), stage. There is also a requirement to include a template information sheet, reply

form and a Financial Statement Form. It is recommended that the new Standard Financial Statement will be used as part of the protocol, which provides a number of alternative approaches in order to offer flexibility, depending on your processes. The changes will bring with them necessary amendments to internal credit control letters and procedures, which we are advising our clients upon. This is actually something every organisation should do periodically and we are happy to advise in terms of content and compliance.

For further information, please contact, Mark Taylor at Wilkin Chapman on 07887 787982 or email mark.taylor@ wilkinchapman.co.uk or visit www.wilkin chapman.co.uk

Mr Kitney said: “We need to try to train people in the right environment as well, so that is why we are a partner involved in the new UTC. Attracting highly skilled people to Hull has often registered as a problem, but we have recruited people to come here from South Africa and Australia. “One of the reasons we’ve become involved with the UTC and spoken a lot to Sarah Pashley, its principal, is also our connections with SMEs. “We have larger customers, but we have core of small businesses which are vital, and understanding those customers is important to any success.”

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IN BRIEF

Aviation development director appointed

WELCOME ABOARD: Blair Jacobs’ La Dorada ready to sail on the Humber.

AVIATION: Leeds Bradford Airport has appointed Chris Sanders as its new aviation development director. Mr Sanders will begin the role with immediate effect and brings with him a wealth of experience in the airport sector, having previously spent 18 years at Newcastle Airport. Before moving to Newcastle Airport, Mr Sanders began his career at British Airways working in their network planning, revenue management and information management departments.

Northern pranksters WORKPLACE: According to new research by Kit Out My Office, workers from the North of England are more likely to prank their colleagues than their southern counterparts. It found 83 per cent of workers from the North of England stated they often take part in workplace pranks compared with 69 per cent from the South of England.

Boat trips just the job to entertain business clients Humber corporate hospitality service launched on luxury vessel By Henry Saker-Clark henr y.saker-clark@hulldailymail.co.uk

BUSINESSES in Hull will have a new way of entertaining their clients following the launch of a new luxury charter boat to take them on the Humber. The La Dorada is a new start-up business by Hull broadcaster Blair Jacobs, who recognised the unique business opportunity after taking clients and colleagues out on his 43ft flybridge yacht. Businesses can offer an exclusive service to clients on the boat, offering two types, which could include meals or drinks aboard the luxury vessel. The broadcaster, who also works as a media consultant, is trained to man the boat and says his new business venture was born out of a passion he has had since childhood. Mr Jacobs said: “I have grown up sailing. I’ve been brought sailing by my Dad since I was five years old. “It’s a passion of mine, so it was something I really wanted to put my all into as a business. “We launched back in August. “I have owned the boat for a year and decided that there was an offering to be had for businesses. “What we are offering is a creative alternative to traditional hospitality. “There are a lot businesses who

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BESPOKE ENTERTAINMENT: Clockwise, from top: La Dorada’s luxurious interior; owner Blair Jacobs; bubbly on the deck. seem to be looking to look after clients in this way.” Mr Jacobs said that he had had a very positive reception from business people he had spoken to regarding La Dorada and already had numerous bookings for the charter boat. “I’ve taken clients on the boat before myself and found that they really enjoyed it,” he said. “The reception from business people I have spoken to has been really positive and I have bookings taking place very soon. “In the energy estuary, what better way is there speak to people than to take them onto the

Humber, giving them a view very few people get to see? “And they can get this in a comfortable and luxurious environment. “We let the clients curate the trips, because we really want it to be tailor-made and luxurious. “We have our two packages but are keen to talk to businesses about what they want in their trip and tailor it appropriately.” La Dorada is launching with two package options for groups of up to ten. The first comprises a threehour voyage that takes in notable parts of the Hull coastline, before stopping at Spurn Point to enjoy a three-course meal provided by local suppliers. The second package option consists of a two-hour journey to and from the iconic grade onelisted Humber Bridge, accompanied by fine wines and canapés.

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IN BRIEF

Company’s major US business acquisition MANUFACTURING: Hessle-based industrial belts manufacturer Fenner has acquired a US-based polymer business in a major deal. Through its subsidiary Fenner Drives Inc, the historic company, located off Ferriby Road, has bought the assets and business of the precision polymer company Revolution Drives Inc. The value of the deal to purchase the specialist company, which focuses on power transmission and motion control solutions, has not been revealed. Mark Abrahams, chief executive of Fenner, said: “This acquisition supports our stated strategy to grow our advanced engineered products division and, in particular, it will complement the product and customer portfolio of our precision polymers business within AEP. “I am also pleased to say that Revolution Drives’ CEO and majority shareholder has joined Fenner’s Precision Polymers business and will work with our existing team there to help deliver continued growth.”

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Spreading the word about business in Humber region Group to attend national maritime industry event to promote area By Henry Saker-Clark BIG PROFILE OPPORTUNITY: Mark O’Reilly, chief executive and chairman of the Team Humber Marine Alliance.

henr y.saker-clark@hulldailymail.co.uk

THE Team Humber Marine Alliance says that recent investment in the area has been a “success story” to show others, as they head off to a coveted industry event in London. It is the first time the region will be represented at London International Shipping Week, and the group say it is time the rest of the country is made aware of the importance of Hull and the Humber to national industry. Mark O’Reilly, of Team Humber Alliance, explained why the maritime organisation would be spreading the word in London, saying that it was about time the region received the recognition it deserves. He said: “It’s an event we’ve not been to before. “We have started to try and build up our profile with national maritime organisations. “It was suggested we go down and be part of the prestigious event to showcase the work that has been taking place in the Humber, around Hull and the south bank. “There is one day set aside for ourselves. We can spend the morning telling people about our industry. “So it should be a really good line-up and, hopefully, a great opportunity to make further inroads. We should be able to tell the story of our recent transformation, because investment here has been a real success story recently.” Mr O’Reilly said the event

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would serve as an opportunity to highlight Hull’s role as a port and housing new industry that benefits the rest of the North. He said: “We will be talking about the importance of the region to European exports and industry, and the effect this all has, to the rest of the North and Merseyside. “We have a major project here that is having a massive impact across all parts of the region. “The energy industry will be a massive part of what is happen-

ing in the Humber and that is a big strength here.” The group of delegates, which will also include former Deputy Prime Minister John Prescott, will be meeting politicians, lobbyists and financiers to try to attract more investment to the region. He said: “It will be a great opportunity for our delegates to speak to businesses, government, financiers, investors and embassies. “It is a big profile opportunity

to speak to these important figures in the heart of the city of London. “We want more companies starting to establish a presence in the Humber and that has been seen with recent R&D investment, such as the RB Centre for Scientific Excellence, which is being built in Hull “Skills-wise, we are working with various groups to help create that, as there is a need to build a good model for continued training in the industry.”

Pair achieve top industry qualifications FINANCIAL SERVICES: Two employees at The Insurance Partnership Financial Services Ltd (TIPFS) have obtained Fellowship of The Chartered Insurance Institute (CII). Karen Spark and James Blake, pictured, have both received FCII status from one of the main awarding bodies in the financial services industry. Karen Spark, compliance manager at TIPFS, said: “I began my career in banking in 1978 and moved into financial services in 1996, having worked in compliance roles as operations director and group compliance director. “I recently joined TIPFS

while studying for the fellowship, which is the highest qualification with the CII. “I wanted to study as it gives me practical knowledge and skills that are essential for my role, which involves supervising financial advisers. It allows

me to give them technical guidance.” James Blake, chartered financial planner said: “My studies began when I set out as a financial adviser in 1997 and I have continued with professional development within the financial services sector. “I am delighted to have been awarded the fellowship.” Paul Newman, director of TIPFS, said: “I would like to congratulate Karen and James, who have worked hard on their studies while working full-time, which is no mean feat. Gaining the fellowship represents their commitment to excellence in the financial services sector.”

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BIGINTERVIEW

‘We’re trying to build a different sort of culture and environment’ From a conservatory at home, to an office with 80 employees in five years, Henry SakerClark charts the meteoric rise of lawyer Gary Gallen and his law firm Rradar “TRAVELLING through hyperspace ain’t like dusting crops, boy,” says Han Solo to a young Luke Skywalker in the original Star Wars film, A New Hope. When asked to conjure up inspirational quotes, perhaps this isn’t the first one that comes to mind, and it’s certainly an unusual one to see on a law firm’s wall. But Rradar is not a typical law firm, and Gary Gallen is not your typical CEO. It’s quite clear from the outset that his legal services firm, which he built from scratch five years ago, doesn’t quite fit the usual mould as he describes the company’s ethos, with Simon and Garfunkel lyrics above his head. Five years ago, his office was the conservatory of his home in the middle of the East Yorkshire countryside, near Burnby. Now, he speaks to me in an office containing a miniature putting green, rope swings, a ping-pong table, an audio recording suite and classic arcade games with the firm’s logo printed on the front. The office houses 80 employees, but Mr Gallen says he hopes for another 40 before the end of the year. The rate of growth seems extraordinary given the company’s beginnings. “I remember one of my clients saying, ‘You are the only person that I’d travel miles into the middle of nowhere to see’. I was completely off the beaten track,” he said. “I needed a change and five years ago the law changed as to how one could start up a legal practice. I set up the business in my conservatory and started from there, really. “I’m from an Irish immigrant family, which moved to Scunthorpe and ended up working my way up to one of the biggest law firms in the world. “I worked with big, successful firms, but I

ALTERNATIVE APPROACH: A member of Rradar’s staff using virtual reality equipment.

ATYPICAL: Gary Gallen, CEO of law firm Rradar.

couldn’t get the places where I’d worked to change their attitudes, to see what I felt was needed in the industry. To make that change I had to start Rradar from scratch. “We have 80 employees and have nine new arrivals already sorted. I think we will have well over 100 by Christmas, ideally about 40 more than we have now. “We are trying to build a different sort of culture and environment.” The different environment is obvious, with broadcasting booths and design areas alongside the more traditional open office space. Differing from a traditional firm, the legal services company has 20 members of staff trained in marketing and design as well as a traditional legal service. Mr Gallen said: “When I told people about this they said Hull was a backwater and I wouldn’t be able to convince the best people to work here. “People often say one of the big problems is retaining talent here, but we’ve been attracting employees from Newcastle, Leeds, Nottingham and Harrogate to work here. Our Hull station is our headquarters, but we also have stations in Leeds and Glasgow.” The firm hopes to regenerate the way in which legal claims are dealt with, trying to prevent the need for them to be made, with clients paying Rradar for a service in order to significantly reduce their number of annual claims. Mr Gallen says this is a particularly important service when dealing with small businesses, for whom large claims could be crippling. Rather than only receiving payment after a case has gone to court and claims have been won or rejected, the company would be paid in similar way to insurance companies such as AXA, with whom they work closely. Mr Gallen said: “We take a lot of pride in representing small businesses. I can’t think there have been many things that have made me prouder than getting a letter from a third-generation business in Beverley, which said we stopped them closing down. “They were facing a claim bigger than they would be able to afford, but have insurance

with AXA and we could, therefore, help them as part of that. “The fact is I think people recognise that they are getting reliable and credible advice because we are backed by AXA, the 15th biggest company in the world.” AXA has partnered with Rradar to provide legal services for up to 50,000 policy-holders who hold its business management liability policy. The company also focuses on recruitment and training, not only for its expert legal team but also by supporting them with an expanding group of in-house developers and programmers. The development team has created interactive apps for clients, such as Rradargrace, named after Mr Gallen’s daughter, to produce content to update clients on developments in the law. By pushing legal and business developments through new and unique channels, Mr Gallen seeks to keep the company at the forefront of the industry.

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East Riding business centres – business profile Taking care of business is all in a day’s work for East Riding of Yorkshire Council’s business centres

ocated in Bridlington, Driffield, Beverley, Goole, Market Weighton and Brough the centres provide a one-stop-shop for both start-up and established businesses. The centres offer a wide range of services, including: • Office space to let on easy-in and easy-out terms • Conference facilities • Step-by-step assistance in starting a business • Guidance with business planning and marketing • Information about tax, national insurance VAT • Details about potential funding that might be available • Rural business support • Running a business from home • Informal networking opportunities. Amanda Hoggart, business centre manager, said: “Our business centres have a number of different size office and workshop space available to let and are inclusive of business rates and building insurance and can be accessed 24-hours-a-day, seven-days-a-week. “Each centre has its own pro-active team on site, including experienced business advisers and a professional front-of-house team, to support your business. “Every year our business centres help entrepreneurs achieve their dream of running their own business and can also help existing businesses to expand and grow.” “In 2016/17 the council had nine new businesses and 34 existing businesses take office space within the business centres which, as a result, created 54 new jobs in the East Riding.” In addition to this, the business support team handles around 1,000 enquiries a year from individuals looking to go into self-employment or businesses seeking advice on expansion, legislation, employment and funding. The team on average helps more than 100 new businesses start trading each year. Councillor Andy Burton, portfolio holder for economic investment at East Riding of Yorkshire Council, said: “Our business investment services, working through our business centres, provide practical advice and guidance to hundreds of businesses to help them thrive and ensure that the East Riding economy grows. “As one of the region’s main economic drivers, the council is committed to supporting the local business community. “Working with the University of Hull, we have recently started work on the ERGO Centre. This new development of office and light industrial space, located at Bridgehead Business Park, is anticipated to be complete by the end of November.”

The ITL development team

For further information about the council’s business investment services, visit www. eastriding.gov.uk/bis follow @ER_Business on Twitter or like www.facebook.com/eastridingbusiness on Facebook.

The business support team at Beverley

“

The council is committed to supporting the local business community Councillor Andy Burton

INSPIRED TECHNOLOGY LIMITED CASE STUDY

Working in the pay-to-play gaming industry, Inspired Technology Limited (ITL Group) knows that nothing is left to chance. Recently, the company began a new business venture and was looking for new office space to help improve productivity. Andy Bower, managing director at the ITL Group, said: “After viewing the unit at East Riding Business Centre and its facilities, we didn’t hesitate to move in. “Working with the council’s business investment services has been excellent. Not only have they been welcoming and helpful from day one but they have also brought various opportunities to our attention to help us grow. “We received complementary tickets to The Business Day at Bridlington Spa, during Humber Business Week, and found this to be very useful. It was especially good to hear from guest speakers like Karen Brady and from organisations such as For Entrepreneurs Only.” As well as technology development, ITL is passionate about game development, both traditional and video, and has helped produce

some of the UK’s top performing games that can be found in bingo halls and pubs across the country. Andy said: “Business investment services put us in touch with Spark Funding, through the University of Hull, to help us develop new skills and training for our employees and look at employing another developer with the new skills we require to move into the fast pace online market.” For further information about ITL, visit www.itl-group.co.uk

Online development

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‘GENUINE MILESTONE’: From left, LTP’s Tony Kirby, director, Sophie Lee, Christopher Wilkinson and Andy Mayo, director.

Firm celebrates major contract win in Scotland

COMMERCIAL PROPERTY PARTNERS:

Transport planners are sole specialist SME in project AN EAST Yorkshire transport planning company has won a major exclusive contract as it continues to expand its work across the UK. Local Transport Projects (LTP), of Beverley, has won the Scotland Excel Engineering and Technical Contract to develop plans for transport for authorities north of the border. The transport planning, traffic engineering and highway design practice is the only specialist SME to be involved in the project. It will provide transportation and traffic services to local authorities, the education sector, airports and other public bodies and service providers in Scotland. As the centre of procurement expertise for Scotland’s 32 local authorities, Scotland Excel has a £968m contract portfolio supporting the delivery of roads, transport, construction, environment, social care, corporate, education and ICT services. LTP director Andy Mayo said: “We’ve had many highlights here at LTP since we set up the business in 2004, but making it onto Scotland Excel is a genuine milestone. “Being the only SME that specialises in

By Henry Saker-Clark henr y.saker-clark@hulldailymail.co.uk

transportation and highway engineering to be awarded a place on the framework is something we’re immensely proud to have achieved. “This will allow us to build on the good relationships we already have in Scotland with both public and private sector organisations and businesses, and we expect to support that by opening an office somewhere in central Scotland in the months ahead.” LTP has recently led projects across the UK and Ireland, including London, Northern Ireland, Wales and Yorkshire. In Scotland, the practice’s planning and traffic work has included a new commercial food processing facility in Bo’ness, Central Lowlands, a large residential housing development in Loudoun, Ayrshire, and a number of onshore wind turbines. As a leading independent transport planning, traffic and highway engineering practice, LTP provides expert professional and technical services to a wide range of market sectors.

Cured beef product honoured at UK awards FOOD: An East Yorkshire gourmet beef business is celebrating after getting a Highly Commended award in the Great British Food Awards. Driffield-based The Yorkshire Wagyu Company won the accolade for its Original Biltong Slices in the best savoury snack category, which was judged by MasterChef presenter

and chef John Torode. He said: “The flavours of this biltong are complex and delicious, with hints of apple cider vinegar and coriander. The company’s Jonathan Shepherd, pictured, said: “We’ve worked hard to grow the brand and knowing that our prized Wagyu beef has been praised as a cured product is a real honour.”

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• Set in 1.6 Acres • Superb Trading Position • Detached Two Bedroom Residence • Tremendous Potential to Establish a Superb Kennels and Cattery • 13 Family Kennels Plus 5 Day Kennels • REF 556804. EPC Band D. Business & Property £320,000

• Greeting Cards And Stationery • Adjusted Net Proﬁts £29,364 PA • Retirement Sale • 3 Bedroom Accommodation • Taking £3,500 Weekly • REF 555618. EPC Band E. Business & Property £239,000

• Retirement Sale After 20 Years • Substantial Freehold Premises • Four Bedroom Family Accommodation • Worked in Easy Hours Oozing Potential for Enthusiastic New Owners • Weekly Turnover £1,400 to £1,500 • REF 557652. EPC Band D. Business and Property, Offers Over £169,950

FULLY LICENSED RESTAURANT & BAR • Very Well Populated Area • Sensibly Priced To Sell • Highly Proﬁtable Concern • 115 Covers • Taking £6,000 to £7,000 Weekly • REF 556338. EPC Band E. Business, Offers Over £84,950

Scarborough

Near Grimsby

North Lincolnshire

Hull

East Yorkshire

FISH & CHIPS SHOP

FULLY LICENSED RESTAURANT (45 COVERS)

SANDWICH BAR, NEWS & FULL OFF LICENCE

BUTCHERS

REFURBISHED VACANT UNIT WITH A5 CONSENT

• Bustling Trading Position • Run Totally By Staff • Working Owners Could Do So Much More Here • Operated Over Six Days with No Late Nights • Weekly Turnover £3,000 to £3,200 • REF 559152. Awaiting EPC. Business £69,950

• Lovely East Yorkshire Market Town • Ideal for Any Type of Cuisine • Very Well Fitted Commercial Kitchen • Two Bedroom Owners Accommodation • Weekly Turnover £6,500 • REF 557936. EPC Band D. Business £55,950

• Tremendous Potential

• Bustling Shopping Centre with Large Car Park • Offering Enormous Potential for Much More • Retirement Sale After Many Years Here • HIGHLY RECOMMENDED • Weekly Turnover £2,700 to £3,000 • REF 557825. EPC Band E. Business £39,950

• Prime Trading Position • 3 Bedroom Accommodation • Completely Refurbished Throughout • Viewing Highly Recommended • Ref 559216. EPC Band E. Price Nil Premium

Hull

East Yorkshire

Hull

Filey

BUSINESS OF THE WEEK SUB POST OFFICE (MAINS), STATIONERY & GREETINGS CARDS • Excellent mains Post Office business worked in easy hours over a 5 ½ day week. Post Office Remuneration £36,000 to £38,000 Unlimited potential to do so much more. Premises are held on a secure lease, VERY LOW RENT OF £62 PER CALENDAR MONTH. Comprising: Large sales shop with three position Post Office counter, large retail area which is virtually unused. EPC Band D. REF 557922. Business £24,950

Hull

SUB POST OFFICE

• Prime Trading Site • Viewing Highly Recommended • 2 Bed Accommodation • Taking £3500 weekly • REF 557308. EPC Band C. Business £39,950

North Humberside

THINKING OF BUYING A BUSINESS?

Are you thinking of changing your career - why not consider purchasing your own business. Call our ofﬁce TODAY to arrange an appointment for a FREE CONSULTATION and speak to one of our friendly sales team to discuss all aspects of buying a business.

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To ﬁnd out more about these fantastic opportunities visit www.ernest-wilson.co.uk

MAI-E01-S3 8

HOPING TO BATTER THE COMPETITION

DEEP HEADS FOR 98% OCCUPANCY

BUCKING TREND

NEW VENTURE

PAGE 2

Wednesday September 13 2017

PAGE 3

& commercial property City centre could yield high returns

GREAT LOCATION: Humber International Enterprise Park, which is between the BP Saltend site and Paull.

ABP LAUNCHES HUGE SITE FOR ENTERPRISE Area has outline planning for renewables development By Henry Saker-Clark henr y.saker-clark@hulldailymail.co.uk

The firm say the site has the potential for quayside access to the Port via a dedicated rail road link and the potential to upgrade rail connectivity in the area. David Morriss, Head of Property, Humber at ABP said the firm are delighted to announce the new business site. He said: “With 21 ports serving key shipping routes and located close to major supply chain networks and large conurbations, ABP is an estab-

lished partner in the manufacture, assembly, storage and distribution of goods throughout the country and across the world. “We are delighted to be launching Humber International Enterprise Park and look forward to working with our partners to attract occupiers to this key strategic site.” Scott Morrison, Associate in Cushman & Wakefield’s Logistics & Industrial team, said: “This is a rare opportunity to secure development land in an unrivalled port location

Continued on PAGE 2

‘POTENTIAL’: Scott Morrison.

MAI-E01-S3

ASSOCIATED British Ports (ABP) has launched one of the largest development sites in the UK in new Humber International Enterprise Park. Associated British Ports (ABP) has launched the 453-acre Port of Hull site, which sits between Paull village and the BP Saltend site. The development, which has been put on the market with agent Cushman & Wakefield, is an area allocated as an enterprise zone and currently has outline planning for development associated with renewable and low-carbon industries.

INVESTORS should look to Hull for high rental yields according to online auction experts John Pye Property. The city centre, due to Hull’s status as UK capital of culture for 2017 and investment in the local economy by companies such as Siemens, is an area of high rental demand. Landlords will have the opportunity to invest in this “sought after” location when a multi-storey period property BroadWay House, pictured, will go to auction this month. Richard Reed, head of property at John Pye property said: “Hull’s high rental yields are the main attraction for investors in the area. “One of the reasons behind this is that the city is currently undergoing major regeneration. “As such, companies, including Siemens, are investing heavily in the city’s economy and creating new jobs locally. “Anyone purchasing this property potentially has the opportunity to convert the upper floors into apartments, subject to planning.” The agency say the property would be a desirable investment opportunity thanks to its prominent location in the city centre, opposite the train station. Although the upper floors are set up as office space, they have potential to be converted into residential apartments, subject to planning. Mr Reed said: “The apartments would be ideal for professionals needing to relocate to the area and could provide a significant increase in rental income.” The property is on the market with a guide price of £500,000 plus and is one of a £7m auction by John Pye property that will take place on September 13 and 14.

2 Wednesday September 13 2017

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BUSINESS

ABP launches huge site for enterprise Continued from PAGE 1 within the Humber Estuary. “The site has the potential to completely transform this area of Hull, creating significant employment and inward investment for the region. “Given the size and scale of the opportunity, there is potential for a number of bespoke development opportunities that can be sub-divided to suit occupier requirements. “The site would be ideally suited to manufacturers and distributors seeking port related access in a location that is rich with a skilled available workforce.” The Humber is the UK’s busiest trading estuary with almost 30,000 vessel movements every year while Hull has recently established a strong reputation as a hotspot for renewable energy operators and manufacturers. This was recently demonstrated by Green Port Hull, a £310m project undertaken by ABP and Siemens to deliver a wind turbine blade manufacturing, assembly and servicing facility. ABP and Cushman & Wakefield have been working closely with Humber Local Enterprise Partnership and the East Riding of Yorkshire Inward investment team to ready the site for development. Alan Menzies, Director of Planning and Economic Regeneration at East Riding of Yorkshire Council lauded the port development and said he looks forward to finding exciting new businesses for the site. He said: “Humber International Enterprise Park is a truly strategic site due its synergies with the Port of Hull, Saltend Chemicals Park and the Humber Estuary. The development has the full support of public sector as evidenced by the Enterprise Zone status and earmarked Local Growth Funding to support the site infrastructure and we look forward to working with ABP to secure some exciting occupiers for the site.”

Business centre bucking the national trend with arrivals and expansions The Deep Business Centre heading for 98 per cent occupancy level By Henry Saker-Clark henr y.saker-clark@hulldailymail.co.uk

ONE of East Yorkshire’s leading business centres has seen new arrivals and the expansion of existing tenants as it defies a national trend of falling figures. The Deep Business Centre is heading for an occupancy level of 98 per cent as incoming businesses complete their moves and long-term tenants take more space. The figure compares with an average occupancy of 76 per cent nationally and 72 per cent in the Yorkshire and Humber region as identified in the latest report from the Business Centre Association (BCA). Freya Cross, business and corporate manager at The Deep and a board member of the BCA, said the success is down to maintaining good-quality facilities and the highest standards of customer care in an increasingly competitive market. She said: “I am delighted that we consistently perform ahead of the figures outlined for the rest of our industry in the BCA report. It’s particularly pleasing that during the period analysed by the last two reports – 2014 and 2016 – we have maintained a strong performance, despite losing an anchor tenant in each year.

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‘DELIGHTED’: Freya Cross at The Deep Business Centre. Picture: Jerome Ellerby “Nationally, the occupancy rate fell from 80 per cent in 2014 to 76 per cent in 2016. Our level also dropped, from 83 per cent to 79 per cent, maintaining our position as a leading performer. “The changes in the coming weeks will take us up to 98 per cent.” Jennifer Brooke, executive director at BCA, said 2015 was a

year of major growth for her industry, but was followed by a year of uncertainty. She said: “Flexible space providers entered 2016 in good shape and the survey shows that the sector continued to grow and thrive among the uncertainty created by political events. “The period from now until the point when the UK actually

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leaves the EU will bring fresh challenges but flexible space operators remain confident about their ability to face those challenges and take the opportunities that they present.” The Deep Business Centre houses more than 40 businesses employing more than 200 people, the largest occupying about 4,000sq feet. Ms Cross said: “In many ways, our experience reflects the findings of the report. “There is increasing demand for space, particularly from rising numbers of self-employed people and new small businesses, and their requirements are based around high-quality space and excellent technology. “These are among the facilities in which we have invested heavily. Another is the lounge area, which we opened almost two years ago. Demand now is for more communal and break-out space, and we were well ahead of that. “Where we do differ significantly is with the business failure rate. “Nationally, the BCA finds the failure rate increasing from 9 per cent in 2014 to 13 per cent in 2016. Our business failure rate has never climbed above 5 per cent, and that is due in part to our experience and the quality of support that we provide.”

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Wednesday September 13 2017 3

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BUSINESS

Couple’s challenge of refurbishing run-down shop in just seven weeks

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Chippy hoping to batter the competition A HULL couple with more than 20 years of experience running a fish and chip shop have taken on the challenge of completely refurbishing a neglected chip shop in Hull. Tracey Hanson, formerly of Hansons, in Newbridge Road, east Hull, said she wanted a change and decided to transform the rundown fish and chip shop in Caroline Street. She said the shop was a “disgusting mix of magnolia and lime green” when they bought it and needed a lot of work. Seven weeks later, the fish and chip shop is running like clockwork and only the finishing touches remain to be completed. The couple said they were keen for a change of scenery after 20 years of business on Newbridge Road. The family has a history of running chippies in Hull dating back more than 50 years. Mrs Hanson said: “My husband’s mum and dad opened a fish and chip shop in Hull in 1965. Later they had one down Newbridge Road and about 20 years ago we bought it off them and ran it since then. “We wanted to be somewhere a bit different. We had a look around here and thought we could make it really nice. “It needed a lot of work. It was this burgundy and lime green inside, and was just disgusting. We put an offer and got it cheaper than the asking price, so were pleased with it. “It’s really picked up and we’ve had quite a bit of lunch business with it being quite an

“

When I first picked up the keys and looked at it, I actually did I have a cry Tracey Hanson

By Henry Saker-Clark henr y.saker-clark@hulldailymail.co.uk

industrial area; it’s almost at the level of business we had at the old shop.” Mrs Hanson said she cried when first picked up the keys for the Caroline Street shop because of the amount of work needed, but says the transformation is almost complete. She said: “But when I first picked up the keys and looked at it, I actually did I have a cry. I immediately thought, ‘I wish I never got it’, there was so much to do. “We’ve had it for seven weeks now. We actually had to open as we were up involved in the Mail’s Pattie Of the Year competition, but the judging was delayed and we had to close the Newbridge Road shop before that, so opened the new one early especially. “It was worth it as we ended up getting in the top five. “We’ve done a lot of work to inside, and have all new shop front and signs as well. “We’ve ordered new tables and chairs and the windows are being finished, so it’s almost there. “We’re calling this one Tracey Hansons, as the people taking over the old shop have kept the name of Hansons on it.” NPS Group, which acts on behalf of the landlord, negotiated and prepared the new lease for Tracey and David. Simon Preston, of NPS Group, said: “We found Tracey and David to be professional through our dealings, and it is clear from their early investment in the property that they plan to serve only the best fish and chips. “NPS Group would like to take this opportunity to wish Tracey and David all the best in the future.”

Sold £8 FREE for any item under £100, higher priced items just £10 when booked online. Excludes pets, motors and trade. hulldailymail.co.uk

Here at Ernest Wilson we have a business to suit every budget! GARAGE WORKSHOP, MOT SERVICE

FISH & CHIPS SHOP

• Repairs, Petrol Station & Car Sales • Fantastic Reputation in the Area • Retirement Sale • Very Well Fitted Throughout • Annual Turnover £2,063,715 • REF 557232. EPC Band D. Business and Property £385,000

• Busy Main Road Site • Three Bedroom Accommodation • Showing £53,826 Adjusted Net Proﬁt per Annum • HIGHLY RECOMMENDED VIEW EARLY, THIS WILL GO • Weekly Turnover £3,500 to £4,500 • REF 559092. EPC Band D. Business and Property, Offers Over £299,950

East Yorkshire FISH & CHIPS SHOP

NEWS, SWEETS, TOBACCO, GREETING CARDS AND STATIONERY

BAR & DINER, FREE OF TIE

RESTAURANT AND BAR

• Adjusted Net Proﬁts £29,364 PA • Retirement Sale • 3 Bedroom Accommodation • VIEWING IS A MUST • Taking £3,500 Weekly • REF 555618. EPC Band E. Business & Property £239,000

• A Prime Trading Position • Surrounded By Student Accommodation • Run by Staff - HUGE SCOPE FOR A WORKING OWNER • VIEWING HERE IS ESSENTIAL • Weekly Turnover £12,000 • REF 559144. Awaiting EPC. Business, OIRO £120,000

• Scope for More with Full Time Working Owners • Superb 60 Cover Restaurant & 40 Cover Function Room • Worked in Sensible Hours Over a Six Day Week • Fantastic Location. Genuine Reason for Sale • Weekly Turnover £5,000 to £6,000 • REF 557907. EPC Band E. Business £49,950

Grimsby

North Lincolnshire

Hull

Barton Upon Humber

NEWS, GREETING CARDS, CONFECTIONARY & TRADITIONAL SWEETS

NEWS, SWEETS AND TOBACCO WITH FULL LOTTO

CAFÉ TEA ROOMS

FISH & CHIPS

• Fantastic Trading Position • Very Densely Populated Residential Area • Impressive News Sheet • Currently Run Entirely By Staff • Taking £4,000 Weekly • REF 556548. EPC Band D. Business £34,950

• First Rate City Centre Trading Position • Very Proﬁtable Business • Net Proﬁts of £18,392 - 2016 • Only Six Day Trading • Lotto Commission Approx £200 PW • Taking £7,000 Weekly • REF 556872. EPC Band E. Business £32,950

• Prominent Main Road Position • Open Plan 24 Cover Tea Room • Trades in Easy Hours Over a Six Day Week • VIEWING IS HIGHLY RECOMMENDED HERE • Weekly Turnover £1,200 • REF 559096. EPC Band B. Business £29,950

• Excellent Trading Position

Hessle

Hull

Market Weighton

Hull

CLOSED CAFE & COFFEE HOUSE

REFURBISHED VACANT UNIT WITH A5 CONSENT

• Impressive Cafe • Superbly Presented • Prime Site • Previously Taken £1,500 Weekly • VIEWING HIGHLY RECOMMENDED • REF 557434. EPC Band E Business £15,000

• Prime Trading Position • 3 Bedroom Accommodation • Completely Refurbished Throughout • Viewing Highly Recommended • Ref 559216. EPC Band E. Price Nil Premium

East Yorkshire

Filey

• Densely Populated Residential Area • Two Bedroom Accommodation, Sub-Let for £450 PCM • Immaculate Throughout PRICED TO SELL • Taking £1,600 Weekly • REF 557005. EPC Band C. • Business £39,500 Business and Property £224,950

• Run Entirely By Staff • Viewing Highly Recommended • 3 Bed Accommodation • Taking £1000 weekly • REF 556967. EPC Band D. Business £23,500

THINKING OF BUYING A BUSINESS?

THINKING OF SELLING?

Contact our ofﬁce and speak to one of our valuers who can arrange an appointment for a FREE VALUATION email sales@ernest-wilson.co.uk or call 0113 238 2900

To ﬁnd out more about these fantastic opportunities visit www.ernest-wilson.co.uk

4 Wednesday September 13 2017

hulldailymail.co.uk

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NEWS SUCCESS: Dave Garness, of Hull property agent Garness Jones.

Agent celebrates ‘rush of activity’ ’Deals send signal that businesses are thriving’ HULL property agent Garness Jones says it has had success this month after a “rush of activities” and significant acquisitions. The agency has been involved in significant deals including the recent purchase of a 35,000 sqft in Wiltshire Road and Heta’s move to Dansom Lane. Dave Garness, managing director, says the firm have helped local businesses acquire hundreds of thousands square feet of space in complicated deals. Mr Garness said: “There has been a real rush of activity in recent months, with the completion of acquisitions in a range of business sectors then triggering further activity. “All the moves have been the result of businesses doing well, expanding into bigger premises or relocating into the Hull area in readiness for further growth. “One result of that is that demand has now eased, and we are looking for new sites in readiness for the next wave of activity.” Garness Jones acted in the move by Actavo to a site at Tickton, near Beverley, in 2016 and were involved again as the Ireland-based engineering solutions company expanded recently to a 120,000sq ft site in Freightliner Road, Hull. The firm had already assisted the previous occupiers, Kingston Modular, with its move to premises of 35,000sq ft in Stockholm Road EXPANSION: Actavo Building Solutions new Freightliner Road premises.

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MAI-E01- S3

By Henry Saker-Clark henr y.saker-clark@hulldailymail.co.uk

at Sutton Fields Industrial Estate. Kingston Modular’s neighbours at Sutton Fields, Humberside Engineering Training Association (Heta), is now preparing to relocate to Dansom Lane South after Garness Jones assisted with the acquisition of about 50,000sq ft for a new headquarters and training centre. Mr Garness said: “We also acted in the purchase by Newland Express Transport of a building of 35,000sq ft at Wiltshire Road. “These are all significant deals in their own right and, collectively, they send a signal that businesses in the area are thriving and are investing in supporting and securing their future needs. “With Heta’s move to Dansom Lane South we spent some time wrestling over access. “With the original plan, it was shared, which created difficulties for a business that needed dedicated and secure access for their young learners. We resolved the issue by also offering the building next door, which Heta were able to use. It demonstrates our ability to look after the needs of all the parties in a single project. “The situation now is that there are very few large industrial sites and buildings available.”

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Wednesday September 20 2017

PETROLEUM AND LEISURE SECTORS FUEL PROFIT RISE JR Rix & Sons reports all-round ‘solid performance’ from all areas By Henry Saker-Clark henr y.saker-clark@hulldailymail.co.uk

RIX Group, which has been based in Hull since 1873, has seen profits rise to £5.9m following a strong year driven by Rix Petroleum. JR Rix & Sons, which started out as ship-builders and is now a multi-functioning organisation, saw profits rise from £5.1m last year, showing a 16 per cent increase overall, in the year to December 2016. The rise was underpinned by strong performances from the group’s property business, Rix Petroleum, the largest company in the group, and its leisure home manufacturing division. Group revenue, however, fell slightly, from £359m to £348m, reflecting a fall in turnover for both the inland and marine fuel businesses. Rory Clarke, managing director of JR Rix & Sons, said that despite selling a similar volume of fuel to last year, turnover reduced as the value of sterling weakened against the dollar. Mr Clarke said: “Rix Petroleum is the largest company in the JR Rix & Sons Group. While oil prices increased during 2016, they remained below the 2015 average. Following the Brexit vote, the

BREXIT: Trade between the Humber ports and Zeebrugge, pictured, must not be allowed to be negatively affected by Brexit, was the key message from business leaders representing the Belgian port when they visited the region last week. Joachim Coens, the chief executive of Zeebrugge Port Authority, reflected on a long history of trade links going back centuries between the two ports. Mr Coens admitted to being “concer ned” about Brexit but urged Humber business leaders to put maximum pressure on EU and UK negotiators to preserve the current free movement of trade between Europe and the UK. He also revealed that he and his colleagues had made the same point to the EU’s chief Brexit negotiator, Michel Barnier, when he visited Zeebrugge recently. The port of Zeebrugge handles 40 million tonnes of cargo, much of that on ro-ro ferries. In a year, it serves 8,467 vessels with cargo that includes 2.8 million automotive products, 4,000 trucks and maintains 20,000 jobs, and 45 per cent of Zeebrugge’s trade is UKrelated. Mr Coen also highlighted that the UK produces 1.5 million cars with 1.1 million of those being exported – one million of those vehicles going through Zeebrugge. In the opposite direction, 2.6 million vehicles are imported into the UK with many of those coming through the Humber ports of Grimsby and Immingham. Peter Stolk, head of ports for P&O Ferries, said the company has been linking the two ports for the past 50 years and now carries one million passengers a year. He said the P&O ships sailing between Hull and Zeebrugge offer the only passenger link between Belgium and the UK and joked that he would like to keep it that way.

MAI-E01-S3

Continued on PAGE 2

PLEASED WITH RESULTS: Rory Clarke, managing director of JR Rix & Sons.

Belgian visit stresses trade must continue

2 Wednesday September 20 2017

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MAI-E01- S3

BUSINESS

Petroleum and leisure fuel JR Rix profit rise Continued from PAGE 1 value of sterling weakened against the dollar in the second half of the year, and oil is traded in US dollars. “Despite selling a similar volume of fuel and maintaining market share, company turnover reduced, primarily as a result of selling a greater volume of low-duty product last year and a lower volume of high-duty product.” Mr Clarke described the end of year figures for the group as a “solid, all-round performance” with all areas managing a profit. “As fuel duty makes up a significant proportion of our turnover, this shift of emphasis had a corresponding effect,” he said. “What is pleasing is that all parts of the company managed to return a similar or improved profit, making it a solid, all-round performance.” Rix Petroleum’s turnover fell from £284m in 2015 to £272m last year, with profits falling from £2.7m to £2.1m. However, market share remained the same, with the company selling approximately 400 million litres of petroleum products in both years. While Maritime Bunkering’s turnover dropped from £30.5m to £25.5m, profits increased from £718,000 to £1m, largely as a result of cost saving. Leisure home and lodge manufacturer Victory Leisure homes also helped to drive the solid financial performance for the group of companies over the year. Pre-tax profits at the Gilberdyke business surged from £256,000 in 2015 to £1.5m last year. Mr Clarke said Victory Leisure Homes had benefited from an increased demand in the domestic holiday market. He said: “Victory Leisure Homes has had a fantastic year, helped by an increase in the number of holiday makers who decided to stay in the UK. “Uncertainty abroad, combined with the fall in the value of the pound following the Brexit vote, have had a significant influence on the holiday market. The Victory brand continues to become established, which in turn has created increased market share.”

QUESTIONS: Mark Chesworth, managing director of Vivergo Fuels at Saltend Chemical Park.

Picture: Darren Casey

Concern over Government’s renewable fuels guidance UK’s largest bioethanol producer calls for a clear, consistent message THE UK’s largest producer of bioethanol has raised concerns after the Government announced its new set of strategies for renewable fuels for transport. Vivergo Fuels, based at Saltend, has reluctantly welcomed the Renewable Transport Fuel Obligation proposals released by the Department for Transport. However, the company has also said it has concerns about the proposed rate of reduction in the usage of certain fuels, after 2020. In the report, the Government made proposals to introduce a cap on crop-based biofuels in order to meet its renewable fuel obligations. The maximum level for the use of fuels

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By Henry Saker-Clark henr y.saker-clark@hulldailymail.co.uk

made from agricultural crops will begin at 4 per cent in 2018 and reduce year on year from 2021 to reach 3 per cent in 2026 and 2 per cent in 2032. Mark Chesworth, managing director at Vivergo Fuels, the UK’s largest producer of bioethanol reluctantly welcomed the Gover nment’s Renewable Transport Fuel Obligation proposals. He said: “While we welcome the Government raising the renewable blending obligation and their increasing the recommended crop cap to an initial 4 per cent, indicating

UNIQUE OPPORTUNITY

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FOR SALE - Freehold £169,950 Zest Estate Agents 626 James Reckitt Ave, Hull 01482 216070 www.movewithzest.co.uk

that they have taken on board some of the concerns of the 93 per cent of stakeholders who called for a high cap, we remain concerned about the proposed post-2020 year-on-year reduction. “This decreasing cap is predicated on a number of uncertainties and could have serious consequences for the long-term future of the British bioethanol industry, jobs in the North of England and domestic agriculture.” In his foreword, Transport Minister Jesse Norman MP said: “Increasing the renewable content of petrol by moving to E10 fuel should make achieving our targets easier and potentially more cost-effective, as well as providing an economic boost to domestic producers. “The Government will work with industry to facilitate any future introduction of E10 petrol, playing our part to ensure that is managed carefully and to ensure ongoing availability of fuel suitable for older (pre-2000) petrol vehicles. “In doing so, we expect the oil industry to do its part to help minimise any impacts on owners of older vehicles.” Mr Chesworth says the firm agrees with the Transport Minister that E10 fuel would be cost-effective, but questions the ease with which it can be successfully introduced across Britain. He said: “We agree with the Transport Minister Jesse Norman MP that E10 fuel makes ‘achieving our targets easier and potentially more cost-effective, as well as providing an economic boost to domestic producers’. “However, we would question whether E10 can be successfully introduced and sustained with a crop cap which, even at its highest point, is the lowest in Europe. “We would therefore call on the Government to mandate E10, enabling a swift co-ordinated roll-out and a clear and consistent message to consumers.”

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BUSINESS

IN BRIEF

New categories added to excellence awards

INSIGHTS: Nick Robinson with pupils and staff at Thanet Primary School. Pictures: Richard Addison

Plumbing firm expanding after reviving family name Lifetime in industry comes full circle with rebranding of company By Henry Saker-Clark henr y.saker-clark@hulldailymail.co.uk

A PLUMBER from Hull has seen his business grow after bringing back the company name founded by his grandfather and great-grandfather. SRS has recently completed plumbing work on a number of high-profile jobs, including fitting a new £300k heating and plumbing system at Thanet Primary School and installation work at Essex House in Hull city centre. Nick Robinson said he became involved in the industry after working with his grandfather as a child and was keen to highlight his work to youngsters at the school. The heating and plumbing engineers have completed work for clients in the region, including Sangwin, Sports Direct, McCain Foods, Greggs, East Riding Council and Hull City Council. He said: “SRS was founded in 1932 by my great-grandfather and grandfather. The business carried out a number of large plumbing and heating projects in Hull. “When my great-grandfather

died, the business was left to my grandfather, who worked until his retirement. I had the pleasure of working with my grandfather as a child during the summer holidays and weekends and this is what led me to this career. “Although my grandfather retired many years ago, I always wanted to bring the company name back and develop my own business while staying true to my family roots.” Mr Robinson says the company has grown exponentially over

the past three years and is looking to expand to a larger premises. He said: “I have traded for three and a half years, the first year turnover being £67,000 with just myself in the business. Now with our fourth year on the way, we are a company of 12 staff and are set to turn over a target of about a million pounds. “Following client demand, I have been able to adapt the business in order to provide three main sectors of work: mechanical, renewable and electrical.

“I have recently invested in new vans and branding for the business and we are looking for a larger premises due to the expansion of the company.” Earlier this month, Mr Robinson’s company completed works on the plumbing and heating at Thanet Primary School and he was pleased to get the opportunity to help children and staff with the improvements. “Our most recent project was to act as the main contractor on behalf of Hull City Council and NPS. This involved upgrading the main cold water and hot water supplies to Thanet Primary School in Hull,” Mr Robinson said. “The existing pipework was originally installed in 1952 and Hull City Council had allocated a £300,000 fund to significantly improve the operation and efficiency of the school’s water supplies. “Not only was I happy for SRS to be the principal contractor on this project, but a great deal of admiration was found for Hull City Council in that they have given an upcoming Hull-based company the opportunity to provide a service that greatly benefits the children and staff.”

AWARDS: New categories have been introduced to the eighth annual Goole and Howdenshire Business Excellence Awards, which opens for entries tomorrow. Awareness of the Environment, Marketing Excellence and Training and Development will all be highlighted at a glittering awards ceremony taking place on February 16 2018. This year, the submission system will involve online entry forms. The awards are open to everyone who runs a business, from sole traders and small shops to companies representing large and vital sectors of the region’s economic growth. “Now in its eighth year, the reputation and popularity of the event continues to go from strength to strength,’ said Business Awards Committee Chairman Garrey Haase. “The awards represent all kinds and sizes of businesses in the area and, with ten categories to choose from, we would encourage all local businesses, however small, to enter and aim for the recognition they deserve.”

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your daily port of call for the latest and breaking business news around the Humber region visit humberbusiness.com

4 Wednesday September 20 2017

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ADVERTISEMENT FEATURE

Simon Bird, Regional Director

ince September 2015, ABP has been building a new leadership team which is able to support the company’s transformation in the way that is works, whether that’s seizing new business opportunities or improving existing customer relations. ABP is excited to introduce you to the new HLT and welcome them as they lead their teams to Keep Britain Trading.

Bird, 1 Simon Regional Director

Prior to working for ABP, Simon was the CEO for the Bristol Port Company and previous to that, he worked as the commercial director for Mersey docks. Each week, Simon puts a structure in place which he likes to keep to. Simon meets with the HLT to talk about the business and uses it as an opportunity to talk formally about safety, commercial, incidents and operations across the Humber. Immediately after the HLT, Simon attends a meeting with James Cooper, the CEO of ABP and the Board and to keep up to date with Group on goings, Simon likes to attend ABP’s Head Office site in London once a week. He has a vision to run a safe, efficient and productive port and believes that he is well on his way to accomplishing this, with the support of his highly proactive team behind him. The key focus for Simon is to make sure that ABP achieves its Beyond Zero safety target, for both behaviour and culture on the port.

Green, 2 Chris Port Manager, Hull & Goole

He started life at ABP 16 years ago when he landed himself an assistant operations manager role at Immingham and Grimsby ports. Chris then naturally moved to the port of Cardiff in 2006 near to where his family are based. He explained that he enjoyed working at Cardiff and Newport and still has ties there now working on the M4 motorway project. Chris became port manager for Hull and Goole four months ago and he leads the over-arching operational strategy. The key challenges he faces includes driving substantial port developments, ensuring to grow revenues through direct services and enhancing the company customer base. Outside of work, Chris enjoys spending time with his family including his wife and 2-year-old son as well as photography and volunteering for Scouts as a team leader.

Frith, Port Manager, 3 Mark Grimsby and Immingham

Time spent working at the Royal Mail proved to be invaluable for Mark. After being with the company for two years, Mark moved on to distribution giant, DHL. Whilst working in Canada, Mark was head hunted by a company called National Oilwell Varco (NOV) where he worked for about 15 months until being made aware of

Chris Green, Port Manager, Hull & Goole

Mark Frith, Port Manager, Grimsby and Immingham

Sarah West, Head of Humber International Terminal

ABP’s leadership Team to keep Britain trading was able to become a part of transforming the finance for the business. Working collaboratively with other teams, Martin will be assisting and advising on how ABP is able to improve financials without spending millions of pounds.

Spencer, 7 Jane Head of Human Resources

GATEWAY TO EUROPE: Humber International Enterprise Park. the port manager job at ABP in Hull. Mark’s role covers a variety of different aspects. On any one day, Mark could be meeting with members of the local council in the morning and speaking with his port operatives on the quayside in the afternoon. Mark understands that by making himself available for his team, he is able to understand the challenges they face. He utilises his position of responsibility to drive home the message of safety being his number one priority.

West, Head of Humber 4 Sarah International Terminal (HIT)

Sarah West formerly served in the Royal Navy and has achieved the impressive accolade of becoming the first female to be appointed to command a major warship. When nearing the end of her time with the Royal Navy, Sarah had been looking at national opportunities for her to progress her career; she was introduced to Simon Bird around the same time and was told about what he was looking for at HIT. The camaraderie and loyalties to the terminal are very similar to those who work on a warship and Sarah understands that everyone is proud of their workplace. Sarah strongly believes that the future for HIT looks really positive. Her team continually make improvements to the Immingham Renewable Fuels Terminal and ensure that they are liaising with our customer all the time.

Bardle, 5 Martin Head of Compliance

Martin joined ABP as a consultant in August 2015, and planned to reside on the Humber for 4 months as an interim Head of Health and Safety however, his family fell in love with region and his position became per manent. When he joined ABP, Martin could clearly see that the company was going through a momentous change. When Martin started with ABP, his team were solely health and safety focussed, where there had been little approach to quality, training or security. Combining teams from related sectors meant that Martin was able and create the now known, Compliance team. At the end of 2016, ABP introduced the new safety awareness campaign, Beyond Zero. It took Martin and his team a number of months to deliver the workshops to employees where they did manage to educate and work with every one of the 1,000 employees working on the Humber.

Phillips, 6 Martin Head of Finance

Martin joined ABP in 2000 and his first job within the company was the port cashier in Cardiff. After working his way through the ranks, Martin is now the Head of Finance for the UK’s largest port complex. Martin felt as though he would stay as Head of Finance for South Wales for the duration of his working life however, when the opportunity came up last summer to work on the Humber, he couldn’t turn it down. Upon starting in his new position Martin

In 1988 Jane started an apprenticeship at BAE Systems in Brough and this sparked a 25 year career there. She gained vast experience working across 13 different departments and worked her way up to become Head of HR. In 2014 she joined ABP as a personnel manager and has worked her way up. She believes creating a great place to work is priority. Jane’s role also involves developing a strategic partnership with the leadership team and to give advice on a range of people solutions to address business challenges. She’s developed a forward-thinking, modern approach to HR at ABP and recognises the importance of listening to staff and acting on feedback.

Firman, 8 Andrew Head of Marine

After 11 years in the Merchant Navy Andrew joined ABP as a pilot for all areas of the Humber and gained his Masters Unlimited Certificate of Competency. He moved into management and became deputy pilotage operations manager in 2005 and ten years later landed the role of harbour master, Humber. In March this year, Andrew was appointed to a joint role as head of marine and harbour master, Humber. As harbour master, Andrew is the head of Humber Estuary Services which provide the pilotage service, Vessel Traffic Services and conservancy for the Humber, Ouse and Trent. As head of marine he also delivers a strategic marine presence in the Humber Leadership Team.

Morriss, 9 David Head of Property

David Morriss trained as a charteredsurveyor for five years prior to starting his working life in the retail market, looking after large company estates.

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ADVERTISEMENT FEATURE

Martin Bardle, Head of Compliance

Martin Phillips, Head of Finance

Jane Spencer, Head of Human Resources

Andrew Firman, Head of Marine

David Morriss, Head of Property

MEET THE TEAM: ABP’s Humber Leadership Team. As the head of property for the Humber, David generally looks into what ABP can do to better utilise their existing development parcels. On a daily basis, the role requires David to strategize to get the optimal results from the land that ABP is leasing or could acquire. David’s role is split between the North and the South bank of the Humber which means that he splits his time between the two. David strongly believes that open communication between internal teams and external partners is the key to success.

Blissett, 10 Sean Engineering Manager, Humber

Chris, a former BP employee, started working for ABP in June 2017 as the Head of Commercial. Over his time at BP, Chris prided himself on leading his various teams through a lot of change and was able to implement his own ideas on how to do things differently to benefit the company. Chris became Chemical Park Manager in 2009 and left, after a 20-year-career with BP as the Director of Strategy and Transformation. Chris’ immediate focus for the Commercial team is on structure and process. These two areas have been firmly integrated, clarifying the departments joined up vision and goals. Chris is excited for the times ahead and is proud to be a part of both his team and the ABP Humber region.

Bowlas, 12 Chris Head of Commerical

Blissett, Engineering 10 Sean Manager, Humber

Sean started with ABP as a 16 year old straight from school, and since then has held a number of positions within the engineering department across the region. Over the 35 years of work, Sean is extremely proud to have never had a single day of sickness absence. The key challenges within the Engineering department working on the Humber ports include ensuring that the regions plant, equipment and infrastructure is available when required and in able to meet the demands of the business. In addition to ongoing maintenance activities across the area, Sean is required to ensure the delivery of new works to meet customer demands and grow the business.

munications experience from over a decade in senior communications roles in-house and with public relations agencies. The challenges that lie ahead as he takes on his mission in ABP is to bring some structure and direction to what in the past has been some well-intentioned but sometimes haphazard approaches to communications by ABP in the Humber.

Chris Bowlas, Head of Commerical

Williams, Head of 11 Dafydd Communications

Dafydd joined the company in January, with a mission to spread the word about the work ABP does in the Humber and the importance of its role in the regional economy. He already feels the company could wield huge influence to transform the Humber region in terms of economic growth, transport connectivity and workforce skills if it engages effectively with local communities. He brings to the role a wealth of com-

Dafydd Williams, Head of Communications

6 Wednesday September 20 2017

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IN BRIEF

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BUSINESS LAUNCH: The announcement of the EPOS project.

£5.5m fund to help protect environment ENVIRONMENT: An investment firm specialising in green initiatives, is launching a £5.5m fund open to application from businesses and individuals in Yorkshire and the Humber working on projects that will shape the future of the environmental revolution. 350 PPM, which supports early stage environmental developers, projects and technologies it believes could benefit substantially from the implementation of The Paris Agreement, has access to an investment pot it is looking to invest in schemes across the UK. With backing from individual investors at Barclays, Bank of America, Deutsche Bank, JP Morgan, Merrill Lynch, Morgan Stanley and UBS, 350 PPM has been involved in 40 successful environmental projects since 2008. 350 PPM Managing Director, Tim Hyett, said: “We want to support innovative companies and entrepreneurs that are nurturing cutting-edge projects and technologies that could reverse the effects of global warming before it’s too late. “We have here an opportunity to create investment and jobs in the UK for generations to come, and above all else, our aim is to deliver clean, reliable and affordable power for generations in the future.”

Companies unite in name of improving efficiency Industrial collaboration to make savings

Here at Ernest Wilson we have a business to suit every budget! FULLY LICENSED RESTAURANT • Well Established Town Centre Restaurant • Two Large Self-Contained Apartments • Excellent Business with Great Potential - RETIREMENT SALE • Adjusted Net Proﬁt £40,419 • Weekly Turnover £3,500 to £4,000 • REF 556847. EPC Band E. Business and Property £475,000

PUBLIC HOUSE & RESTAURANT • Prime Site • Substantial Freehold Property • Run in Evenings Only • Tremendous Potential • Taking £1,500 weekly • REF 557584. EPC Band D. Business & Property OIRO £375,000

SELF CATERING HOLIDAY APARTMENTS

• Stunning Marine Views • 10 Apartments and 2 Letting Rooms • Great Location • VIEWING ESSENTIAL • Taking £70,000 PA • Net Proﬁts 26,112 • REF 554733. EPC Band D. Business & Property £365,000

PUBLIC HOUSE AND COACH HOUSE

• Adjusted Net Proﬁts in Excess of £33,000 • Worked in Relatively Easy Hours • 38 Cover Restaurant • Substantial Freehold Property • Fabulous Redevelopment Potential • TURNOVER ON APPLICATION • REF 556288. EPC Band D. Business and Property, Offers Over £320,000

FISH & CHIPS SHOP • Busy Main Road Site • Three Bedroom Accommodation • Showing £53,826 Adjusted Net Proﬁt Per Annum • HIGHLY RECOMMENDED VIEW EARLY, THIS WILL GO • Weekly Turnover £3,500 to £4,500 • REF 559092. EPC Band D. Business and Property, Offers Over £299,950

Scarborough

Lincolnshire

Bridlington

TEN BEDROOM RESIDENTIAL HOME

INVESTMENT PROPERTY

• 13 Residents in Ten Bedrooms • Popular and Well Known East Coast Resort Town • Run Largely by a Team of Both Full and Part Time Staff • Has Been in the Same Hands for Many Years • Annual Turnover £187,929 • REF 557613. EPC Band B. • Business and Property, Offers Around £275,000

• Two Ground Floor Retail Units • Self-Contained Three Bedroom Apartment on the First Floor • Superb High Street Position • A SUPERB BUY • WITHIN 12 MONTHS, THE RENTAL INCOME WILL BE £26,138 PER ANNUM • REF 557633. EPC Band D. Property £275,000

FULLY LICENSED CONVENIENCE STORE

• Showing Net Proﬁts, Prior to Depreciation of Over £70,000 • Densely Populated Residential Area • RUN PREDOMINANTLY BY STAFF DUE TO OTHER BUSINESSES • HIGHLY RECOMMENDED SENSIBLY PRICED TO SELL • Weekly Turnover £25,000 • REF 557695. EPC Band D. Business £200,000

East Yorkshire

Filey

Scarborough

Hull

Run from Home in Scarborough

FISH & CHIPS, BAR & RESTAURANT

FULLY LICENSED RESTAURANT

• Run Entirely by Staff • No Expense Has Been Spared on the Recent Refurbishment • Stunning Open Plan Restaurant with Over 40 Covers • Very Well Fitted Commercial Kitchen with 4 Pan Range • Weekly Turnover £6,000 • REF 557802. EPC Band C. Business £99,950 Priced for Quick Sale

• 90 Covers • Densely Populated Area of Hull • Run Predominantly by Staff • Tremendous Scope for So Much More with Enthusiastic Working Owners • Weekly Turnover £8,400 • REF 557780. EPC Band D. Business £75,000

Hull

East Yorkshire

Grimsby

FISH & CHIPS SHOP WITH ACCOMM

TAXI BUSINESS INCLUDING 11 VEHICLES

• Retirement Sale After Over 20 Years • Adjusted Net Proﬁt of £38,488 • Our Clients Do No Driving At All • Very Easily Operated Business • Annual Turnover £94,718 • REF 559247. EPC Exempt. Business £169,950

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To ﬁnd out more about these fantastic opportunities visit www.ernest-wilson.co.uk

THREE large companies based in the region have collaborated as part of a new industrial project to utilise resources to make savings and improve sustainability INEOS, based at Saltend, CEMEX, based at Alexandra Dock and OMYA, in Melton, have all become involved in the Hull cluster of the EPOS project which aims to provide companies with transferable cost-saving solutions by utilising each other’s waste resources. The project is part of the SPIRE Horizon 2020 programme, and will see similar collaborations between businesses in other location in Europe. The three companies is Hull will work together in the pioneering industrial project to optimise resources. One example of the collaboration will see CEMEX’s South Ferriby plant working with INEOS, and other regional companies, to determine how waste from INEOS production could be used in the cement manufacturing process. Across the three companies, and external partners, the companies will work alongside EPOS academics to locate where energy-intensive processes can be made more efficient by using waste resources. Head of Energy & Innovation Policy at INEOS Europe, Greet Van Eetvelde, is leading the project and says it has enormous potential to help businesses across sectors save money and resource.

By Henry Saker-Clark henr y.saker-clark@hulldailymail.co.uk

“INEOS is convinced by the potential opportunities presented by working across process industries,” said the project coordinating. “Projects that build on this first of its kind cross-sectorial management tool present enormous potential to improve the competitiveness and energy efficiency across the UK manufacturing sector. “EPOS brings together scientists and entrepreneurs to help industry face a challenge ?while simultaneously strengthening its own capability.” INEOS is currently engaged in three projects that have the potential to benefit the Hull region. Kevin Groombridge, South Ferriby Cement Plant Environment Manager for Cemex UK, said: “It is a privilege for CEMEX South Ferriby to participate in this project, collaborating with other companies and partners across Europe and locally in the Humber Region. “It helps to ensure that we operate our cement plant as efficiently as possible, while learning lessons that we can apply to our other facilities.” The project hopes to pioneer a new method os co-operation between businesses in different sectors.

New addition to building surveyors team CONSTRUCTION: Chartered building surveyors Delaney Marling Partnership in East Yorkshire has appointed a new surveyor to their team. Alex Lowsley worked as an estate agent for two and a half years as a negotiator

before moving into the building survey profession. Mr Lowsley said: “In order to make the transition within the property sector I started off by shadowing other surveyors, including Simon and Kevin at Delaney

Marling Partnership, then qualified from Birmingham City University with a first in BSc building surveying.” “I enjoy the variety of the job – no two days are the same. We are mow working on a couple of projects at AAK in Hull.”

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YOUR M ONEY

YOURMONEY POUND NOTES

PET OWNERS INCLINED TO PROTECT THEIR FURRY FRIENDS OVER THEMSELVES BRITONS may be more likely to prioritise their pets over themselves when it comes to insurance, research suggests. Nearly a fifth (18%) have pet insurance, whereas only one in 10 (11%) have a critical illness policy, a survey of more than 2,000 people from Zurich discovered. It also found that the cost and not seeing the relevance of policies were among the main barriers to people taking out 18% of pets are insured cover. NO STRINGS FINANCIAL SUPPORT BEING OFFERED BY GRANDPARENTS GRANDPARENTS are twice as likely as parents to give regular financial support to the millennial generation, research suggests. Some 13% of grandparents give their adult grandchildren regular help with money, compared with 7% of parents, according to financial services company OneFamily. Nearly threequarters (73%) of grandparents who provide regular financial support said it is done on a ‘no strings’ basis. Help to get on the Grandparents property ladder and help financially pay off debts are the most popular reasons for cash gifts. TECHNOLOGY KEY TO STUDENT RENTING DECISIONS MORE than half (60%) of students make their renting decisions based on the quality of technology and electricals in a property, a survey of 1,000 university students suggests. The findings from Currys PC World Business suggest technology is key when it comes to how much students are prepared to pay in rent, with nearly half of them (44%) willing to pay more for fibre-optic or Students want high-speed fast internet internet.

FINANCIAL F ACT THE Financial Ombudsman Service, which settles disputes between consumers and firms, took on about 170,000 new cases in the first six months of this year. This represents a 13% increase in complaint figures compared with the last six months of 2016 - and reflects rises in almost every product sector, including payment Complaints protection insurance are on the up (PPI) and banking.

Want to slash your shopping bill? VICKY SHAW discusses the pitfalls to avoid in the supermarket

Shop smart and don’t be tempted by offers

Don’t go wild in the aisles

O you come home from the supermarket laden with random ‘grab me now’ offers you wish you’d left on the shelf? And are you taken aback at the size of your bill? With rising living costs placing a squeeze on the nation’s wallets, sticking to a budget can be tough. But the supermarket could be a good place to start trying harder. Here’s how you can avoid pitfalls and cut the cost of your bill:

past tempting items en route to the ones we intend to buy. Items placed on shelves in our eye-line, bright, eye-catching special offer signs and tempting treats near the tills may all encourage us to spend more. And while BOGOF (buy one get one free) offers may look like a good deal, do you actually need more than one item, and will you use it?

TRY ONLINE SHOPPING ALTHOUGH you may have to factor in delivery charges, doing your supermarket shop BE ORGANISED online, from the IT’S easy when calm of your home, you’re whizzing Stick to the around busy aisles to may encourage you to items on your stick to a budget, rather shove the nearest shopping list than make snap purchasgoods into your trolley, pushing up your bill and ing decisions when you’re forgetting vital items you really out and about. need. Shopping this way could help ensure you get everything you An old-fashioned list, on paper or stored on your mobile phone, need – and enable you to take could help you to stick to what you items you’ve changed your mind about out of your virtual basket need. with a simple click. For those trying to stick to a DON’T BE SEDUCED SUPERMARKET layouts lure us specific spend, being able to easily

pop items in and out of their virtual basket could be particularly helpful. You may also be able to shave money off your online supermarket bill through cashback websites. DON’T BE A BRAND SNOB THE most expensive item doesn’t necessarily make it the best. Try swapping some of your regular brands for cheaper supermarket alternatives and see if you can taste the difference. Maybe you’ll miss your old favourites – or perhaps the saving you’re making will taste even sweeter. MoneySavingExpert.com has a tool shoppers can use to estimate how much they could save by ‘downshifting’ items. Visit tiny.cc/ DownshiftChallenge DON’T BE A SUPERMARKET SNOB EVEN if you have a favourite supermarket, try shopping elsewhere to see if you can make savings. Comparison websites may also help; mySupermarket, for example, collects prices from the main UK supermarkets, helping consumers to spot who’s offering a

good deal. And make the most of any coupons and loyalty points on offer. DON’T SHOP ON AN EMPTY STOMACH SHOPPING when you’re hungry could encourage you to fill your basket with items you don’t really need. DON’T THROW AWAY YOUR MONEY IF you often end up throwing food in the bin, you might as well be chucking your hard-earned cash in there. According to research from Sainsbury’s, £36.47 worth of food is wasted typically after a barbecue, with salad, burger rolls, hot dog buns, coleslaw and potato salad the most likely items to be thrown out. More than a quarter (26.6%) of people admit throwing away uneaten salad if it’s been left uncovered outside, even for a short time, while 22% say fussy eaters account for some of their leftovers. Sainsbury’s, which has a campaign called Waste less, Save more, has tips for using leftovers at tiny.cc/FoodRescue

Bonds vs ISAs: where will s avings earn the most in interest? CASH Isas have long been cherished by savers for their tax-free perks. But the introduction of the personal savings allowance means people no longer pay any tax on their savings interest – whether held in an Isa or elsewhere. The personal savings allowance has meant that, since April 6, 2016, basic rate taxpayers can

earn up to £1,000 in savings income tax-free. Higher rate taxpayers can earn up to £500. Research into how cash Isas compare with bonds has found that fixed-rate bonds are now far out in front on average rates available. The average two-year fixed Isa pays a rate of just 1.08% while a fixed bond for two years pays 1.37% typically, accord-

ing to Moneyfacts.co.uk. Savers looking for a five-year fixed-rate Isa can expect a rate of about 1.68%, while a five-year fixed-rate bond pays an average of 1.93%. Moneyfacts.co.uk finance expert Rachel Springall says the gap between the returns on Isas and bonds was not always so wide. She says: “In 2015,

before the personal savings allowance was introduced, savers could get an average two-year fixed Isa rate of 1.69%, but this has dropped to 1.08%. “In contrast, the average two-year fixed-rate bond paid 1.80% in 2015, but now pays 1.37%, so while it has also fallen, it sits significantly above the average Isa rate.”

What’s best, Isa or bond?

8 Wednesday September 20 2017

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motor £14.99

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BUSINESS LOOKING AHEAD: Andy Koss, chief executive of Drax Power.

from as little as

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INVESTMENT PROPERTY BEVERLEY ROAD Corner Shop/2 Flats/ 360 SQ FT Storage. New Lease Due Dec 2017. Current Rent £11,500 PA. £120K Reply to: N_BC8559 Mail, Hull

Drax pressing on with plans for future power Energy giant upgrading gas and battery storage

Looking for new premises? Search over 700 properties in the Humber region Visit humberbusiness.com/commercialproperty

COMMERCIAL PROPERTY PARTNERS:

EAST Yorkshire power giant Drax has given notice of its long-term plans to switch two coal units to gas and build battery storage on site. Plans for gas were announced in June and are part of an ongoing research and development project. The options could create up to 3.6GW of new gas generation capacity and 200MW of battery storage. The company has notified the Planning Inspectorate to consult on its long-term options and said it is subject to a positive investment decision and would need to be underpinned by a 15-year capacity market contract. The upgrade would enhance Drax Power Station’s flexible and responsive capability, and make the region the home of large-scale battery technology. These options would, if developed, increase Drax’s ability to provide the flexible generation and grid support services Britain’s electricity system will need as coal and other large power stations are turned off. Today’s notice to the Planning Inspectorate is a step in developing these options as part of Drax’s strategy to play a vital role in changing the way energy is generated as the UK moves to a low-carbon future. The options complement Drax’s ongoing

By Henry Saker-Clark henr y.saker-clark@hulldailymail.co.uk

work to explore converting a fourth unit to sustainable biomass. They account for 70 per cent of the electricity Drax produces – enough to power Leeds, Manchester, Sheffield and Liverpool and 16 per cent of the UK’s total renewable power. It is fed from Immingham, where the world’s largest biomass reception facility has been built by ABP, and its facility in Hull, as well sites in Liverpool and on Tyneside. Drax expects to begin consulting on these options with local communities and national stakeholders over the coming weeks. Andy Koss, chief executive of Drax Power, said: “We are at the start of the planning process but if developed these options for gas and battery storage show how Drax could upgrade our existing infrastructure to provide capacity, stability and essential grid services, as we do with biomass. “This would continue to keep costs low for consumers and help to deliver the Gover nment’s commitment to remove coal from the UK grid. “These options could repurpose up to two of our coal assets and extend their operation into the 2030s.

New chief to build on community values FINANCE: Beverley Building Society has appointed a former marketing director from the mutual sector, as it looks to build on its reputation for personal service to customers and supporting the community in East Yorkshire. New chief executive Karl

Elliott, 45, comes to Beverley from financial services mutual OneFamily in Brighton, where he spent three years commuting from his home in Yorkshire. He said: “I am delighted to join the team at Beverley Building Society. It appeared a fantastic

opportunity from the start as its values of trust, honesty and empathy for customers are consistent with my own. “I’m sure we can deliver a healthy combination of commercial success and social good by putting the needs of customers and their families first.”

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THANK YOU BAM! Hull Venue project brings construction company’s development to £250m By Henry Saker-Clark henr y.saker-clark@hulldailymail.co.uk

will also see the construction of a new 350-space multi-storey car park following the demolition of the existing one in Osborne Street. This year marked ten years since the opening of St Stephen’s shopping centre in Hull city centre,

Continued on PAGE 2

“

We’ve built in so many economic sectors here. We’ve created five schools, three retail developments, two health schemes, two leisure schemes, and two university schemes John Philips

YOUNG people seeking a career in engineering will get their chance to sign up with a leading training provider when applications open next month for programmes beginning in September 2018. Humberside Engineering Training Association (HETA) is offering interested youngsters the chance to gain an insight into the vast amount of job roles available in this fast-growing industry with a series of open nights. The latest crop of young people to secure jobs in industry after completing a first year at HETA includes Laura Codlin, pictured. She said: “When I was at school I didn’t really know what I wanted to do. I was good at history and geography and thought about teaching, but I didn’t fancy going through university. “My dad works at the steelworks and read about HETA in the paper. My careers advisers told me about the HETA open days so I went to one and then tried a taster day for electrical engineering. We wired up a light switch and I found it fun. “The training has been good. I’ve enjoyed it and learned more than I expected to. It is a male-dominated industry, but it’s a good opportunity.” HETA has welcomed 220 new recruits to its centres at Hull, Foxhills and Stallingborough for the current academic year and may increase its intake next year, with a new £4 million centre due to open in Hull in the summer as part of an expansion programme. Open evenings will take place every month in Hull from today, in Scunthorpe from Monday, October 9 and in Stallingborough from Thursday, October. 19

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THE development of the multimillion pound entertainment site, Hull Venue, has marked £250m in development work in Hull by highly regarded construction company BAM. The £36m development is the 17th scheme the group has taken on in the city, exactly 17 years after it took on its first project in the region. The builder has completed a number of major projects in the city, including St Stephen’s shopping centre and Nuffield Hospital. The completion of Hull Venue, which is due to open in June 2018, also marks a personal landmark for John Phillips, regional director for BAM in the North East. He said: “Hull is a special place for me. I led the St Stephen’s development in the city, which we finished ten years ago now. “At around £100m, that remains our largest scheme in Hull and one of our largest across the whole of the north of England. It’s remarkable to deliver so many projects in one city like this. It has become a second home for us. “What is pleasing, from a business perspective, is that we’ve built in so many economic sectors here. We’ve created five schools, three retail developments, two health schemes, two leisure schemes, and two university schemes. “We’ve also delivered a law and order scheme – the new custody suite on Clough Road – and St Stephen’s, which is a mixed-use development. “Our first scheme to hand over this century was a Virgin cinema in Kingswood. We’ve also worked here for ASDA, Tesco, Hull University, Hull College, Nuffield Hospital, and, of course, we’re working for Hull City Council with the Venue.” Construction of the 3,500-capacity complex in Roper Street behind Princes Quay is on schedule, with live acts expected to the stage late in 2018. The city council-funded project

CONSTRUCTION: £36m development, Hull Venue, is one of many construction jobs undertaken by BAM.

Engineering opportunities for students

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BUSINESS

Hull one of the most ‘in debt’ cities in the country

Credit Union chief says he is surprised by level of debt in the city By Henry Saker-Clark henry.saker-clark@hulldailymail.co.uk

£200m of building work undertaken Continued from PAGE 1 which remains the construction company’s most expensive development in the city. Mr Phillips believes the company’s success is down to its collaborative approach. He said: “Construction offers a fantastic career. It has exciting modern technology, creative design, clever engineering and problem solving. “But, above all, it’s about dealing with people and working together effectively. “We all say we work collaboratively, but we’ve taken it a step further and I measure my team’s success by doing detailed client feedback at the end about how collaborative we were. “I have no doubt that how we communicate with clients, showing them what we are doing, and being open about the costs and problems, is what encourages trust and teamwork, and makes problem solving effective. “That’s when we all create better buildings. People with that kind of honest initiative are gold dust for us.” BAM’s work on Hull Venue is scheduled to complete next summer.

HULL has been named as one of the cities in the UK with the highest number of residents suffering with large personal debts. New research by the Money Advice service reveals that 21.5 per cent of residents in Hull say they are “overburdened” by debts and struggle to pay bills regularly. The city featured as the region with the seventh highest proportion of residents who have debt problems, an estimated total of 43,834 people. Over-indebted individuals are defined as those who find meeting monthly bills a heavy burden, or those who miss at least three bill payments in a six-month period. Figures for the East Riding state that only 13.2 per cent of people say they struggle with debts, equivalent to an estimated total of 36,454 people. John Smith, chief executive of Hull and Humber Credit Union said that he is surprised by the number of Hull residents who are overburdened by debt. He said: “There are undoubtedly many people overburdened with debt in the region, but we’re a little surprised at the numbers. “We have no firm evidence [why it’s high in Hull], but places with lower average incomes are likely to have more people struggling to make ends meet, affected by benefit sanctions and burdened with inappropriate high-cost credit such as so-called

CREDIT: There are undoubtedly many people overburdened with debt in the region, said John Smith. payday loans. One issue is that credit providers often encourage people to focus on the repayment amount rather than the total cost of credit.” Nationally, the number of people who are overly indebted has decreased from 8.8 million in 2013 to 8.3 million people this year. Mr Smith runs the regional Credit Union, which is a not-for-profit organisation, which aims to provide small short-term loans for people in financial difficulty.

The chief executive has also recently welcomed calls for a clampdown on payday loan lenders, which have been linked to the increasing rate of indebtedness across urban areas of the UK. Mr Smith said: “The repayments may seem quite affordable, but the debt takes a long time to pay off and comes with a high interest cost. “By contrast our loans under £1,000 are generally only spread over one year and we make our members aware, not only of the

repayment amount, but also when their loan will be settled and how much it will cost overall. “As a not-for-profit memberowned organisation, we offer a variety of loan products at affordable rates. We have recently been awarded the five-star Fairbanking mark, which recognises our responsible approach to lending. While we cannot give advice, we would encourage anyone concerned to seek help from a free advice service.”

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Former apprentice is a cut above in style stakes

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22 years after joining hairdressing firm, Emma takes over as boss COMMERCIAL PROPERTY PARTNERS:

By Henry Saker-Clark henr y.saker-clark@hulldailymail.co.uk

MORE businesses should put faith in young apprentices, says an East Hull salon owner who is passing over the keys to her business to a colleague who first started as an apprentice 22 years ago. Owner of Style Sisters, Tracey Coggle said she hopes that the new owner, Emma Milock, is a shining example to other businesses of the benefit in training young apprentices. Mrs Milock joined the hairdressers based on Holderness Road in 1995 and has since worked her way up the company to be a manager. Now, her boss will hand over the keys in October, and Mrs Coggle says that their story shows a strong message to other employers that if they put trust in apprentices they may see huge benefits in the long run. Mrs Coggle said: “It was 22 years ago that we took on a little apprentice who wanted to work in our hairdressing salon, and now she’s taking it off me and buying the salon. “We have taken on a lot of apprentices, but Emma stood out from the start. We always left little things that needed clearing

BEAUTY BUSINESS: Tracey Coggle, top left, hands over the Style Sisters salon to former apprentice Emma Milock. up and sorting out to see if they would do it without us mentioning anything. “It shows how long ago it was now, but there was a full ashtray and she emptied it without us saying anything. Straight away we could tell she was a big asset to the salon. “She hasn’t been anywhere else and we’ve been through everything, thick and thin. I

think it’s so important to form these relationships with your employees to see your business thrive throughout the years. “It was me and my sister who started the business, but it’s always felt like Emma was our little sister too. It really makes me want to urge other businesses to take on apprentices and have faith in that system because we have seen

how successful it can be first hand.” Mrs Milock takes ownership of Style Sister, where her former employer will continue to work part-time, next month and says she is keen to train young apprentices who can follow her lead and run their own small businesses. She said: “I was only 16 when I started and it was the perfect environment for me. I have had maternity time off, but continued working here throughout because I’ve developed such a strong relationship with everyone here, including the customers. “It was the right environment for me to learn at that age. It’s important to get teenagers coming from school and training up with the skills they need to create a lasting career. “I think it really allows young people to develop important skills, in work and life, that you can’t necessarily get in other environments. “I can’t wait to carry on with the business myself. It doesn’t need any wholesale change, so the important thing for me is just to ensure we are still delivering a good service and keeping our customers happy.”

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Arco leading way in fight against slavery Firm to join academics and politicians at summit By Henry Saker-Clark henr y.saker-clark@hulldailymail.co.uk

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HULL safety equipment and clothing firm Arco is leading the way in an industry-wide battle to tackle modern day slavery and is urging others to follow its example. The company is joining academics, other businesses, politicians and esteemed figures at the first Wilberforce Summit on the issue of modern day slavery. John Oldfield, director at the Wilberforce Institute for Modern Day Slavery at Hull University, said the company is giving a “leading example” to other companies on how to help tackle the issue. Danny Hobson, quality and ethical manager at Arco, says that the company has invested in ensuring that its ethical beliefs are adhered to throughout its supply chain. Most recent estimates suggest there are 13,000 victims of modern day slavery in the UK and a total of 40 million worldwide. Mr Hobson said that Arco is keen to use the event to urge other businesses to look for improvements and address any concerns with workers’ rights through the supply chain. He said: “Ultimately, its workers who stand the chance to see the benefits. We’ve tried to push our ethical values before the statements were introduced and since then we just want to promote that to other businesses. “It’s important that those like Arco can get other businesses without that expertise to address this issue. “The summit will give us the opportunity to share what we do, to share best practice with others. For the first two years since the act was introduced business will have been trying to outline their position. “We work in manufacturing garments and footwear and, if you look at the statistics, a significant amount of problems regarding workers’ rights are in factories located in China, Bangladesh, India and other countries.” The company has been heavily involved with the two-day event taking place at Hull University tomorrow and Friday, September 29. He said: “We work with factories in these areas, so it important for us to look at health and safety assessments, risk in the workplace and ensure workers are earning a fair wage. The factories we work with will have other contracts with bigger firms, so, if we make sure our standards are met throughout our supply chain, others will benefit as well.

WORKERS’ RIGHTS: Danny Hobson. “You really have to force businesses to take a proactive approach to address this. It’s easy to think that you and your area may not be affected, but 13,000 people at least are suffering in the UK.” John Oldfield says that the company has been successful in showing an example for other businesses to follow to help address the problem. “New figures on the global scale of slavery show about 40 million worldwide. That may be an underestimate, so it’s clearly a very big problem, and something that needs input from industry to be addressed. “Some may have a misconception that it’s a very historic issue, but there are still huge issues with workers trafficked into the UK. We saw it in the news recently with the Rooney family case in Lincolnshire. “It’s a complex phenomenon and there is still a need to raise awareness related to the issue around businesses. Now, businesses with more than £36 million in turnover need to sign up to the statement of slavery act. It’s legislation, but we think there is still only around 50 per cent of businesses that have signed up. Action needs to take place. “Arco shows a clear awareness of the issue that we want to see others across industry replicate. Obviously, with us both being based in Hull, it is a really positive example of what should be done.” Entrance to the Wilberforce Summit is free and visitors can register via www.eventbrite.co.uk

New starter at corporate advisory firm HULL: Dow Schofield Watts, the independent corporate advisory firm, has appointed Luke Pedley as a corporate finance associate in its Yorkshire and North East office. Luke joins from RSM Corporate Finance where he spent four years working in the firm’s London and Manchester offices. There he worked on

transactions including trade sales, acquisitions, debt and private equity refinancings and IPOs. Luke joined the RSM corporate finance team in 2014 where he qualified as a chartered accountant. The Yorkshire and North East DSW team now has 14 professionals across its corporate finance, transaction services,

forensic and wealth advisory disciplines. Mr Pedley said: “The scale and dynamism of the Yorkshire and North East market has been a big factor in my decision to move across the Pennines. “The credentials of the DSW team and the wide range of transactions and clients drew me to the fir m.”

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BIGINTERVIEW

IN BRIEF

Could ‘Hullywood’ be a future hub of UK film?

The Humber is not a usual movie hotbed, but one film-maker is on a mission to change that By Henry Saker-Clark henr y.saker-clark@hulldailymail.co.uk

YOUNG people in East Yorkshire should be able to realise their dreams in the creative industry without venturing to London, says an Oscar-nominated film-maker and entrepreneur from Hull. Chris Hees went from Holderness Road to Hollywood where he walked away with a BAFTA in 2015 and an Oscar-nomination for his animated short film The Bigger Picture. The award was a realisation of passion developed from childhood to put his creative talents on to the big screen and Chris is now writing a script for a feature movie about Hull icon Amy Johnson, with a proposed budget of more than $10 million. He has now turned his talents towards creating the next generation of film-makers, collaborating with the BFI to host its annual film school in the 2017 City of Culture. Mr Hees runs Bridge Way films, with offices based in both London and Hull city centre as he attempts to form a strong bridge between London’s film economy and the emerging talent on the banks of the Humber. “We need to break the myth that it’s not a viable career opportunity in this area of the country,” he said. “I’ve worked in London, but you shouldn’t have to and that’s why so much of our focus is in Hull. “There’s a huge amount of talent here that I see when I work with people here, but the opportunity to enter the industry is incomparable to what you see in London and elsewhere. It’s important to inspire people and show them the opportunities, particularly on the back of this City of Culture year. “We have an office based above Kardomah94, but we have an ethos to bridge the gap between their and the film industry base in London.” In order to help “bridge the gap” Chris began discussion with the BFI and, in 2015, brought the first annual BFI training

City law firm awarded national accreditation HULL: City law firm Rollits LLP has been awarded nationally recognised accreditation for another year, after a full re-assessment following an onsite visit by a Lexcel assessor in August. Lexcel is a recognised accreditation scheme designed specifically for law firms to ensure that required standards of excellence in areas such as client care, case management and risk management are met. Ralph Gilbert, managing partner at Rollits, said: “Once again, we are proud to be awarded Lexcel, the Law Society's legal practice quality mark, which we have held since 1999. Client service is something we take seriously. “In today’s competitive legal market this award for our excellence in legal practice management demonstrates our commitment to client care and that our approach to risk management within the firm is a high priority”

Accountants raise cash

CREATIVE: Hull filmmaker Chris Hees has won a BAFTA and been nominated for an Oscar. academy to Hull. He said: “We are a production company for feature films and animation. We also help deliver training days and try to share our experiences in the hope that young people here can really benefit, and help them to drive their own careers. “I actually share my office with a company which works with the BFI and, a couple of years ago, we just got talking about the possibility of bringing BFI training to Hull. “It wanted to spread its reach across the country and being from Hull, I was really keen to help it launch it here. It was keen and, now, we are about to start on our second year. “People from Hull have made it in the industry and the aim of these classes is to make it really tangible for young people. We want to see young people gaining the skills and developing businesses themselves in the region and start to form an industry here. “I’ve always been learning by doing and we really want people to throw themselves into the deep end.” Students will struggle to find a young mentor in the city with quite as much technical knowledge and acclaim to help them forge the way in developing the region’s film industry. Two years ago Chris won a BAFTA for his animated film and since garnered critical acclaim for his live-action short How I Didn’t Become A Piano Player, which between them were played at no less than 250 international film festivals. His latest project highlights his passion for promoting Hull as he completes a script for full-length feature on the life of aviation heroine Amy Johnson. “Hull always comes up in projects. I’m doing a biopic of Amy Johnson, which is planned to be a $10-$20m film. We’ve been working with the writers behind Vanity Fair, which featured Reese Witherspoon, and are pleased with the development.” The deadline for the next BFI Academy for teenagers between 16 and 19-years-old is October 1 and applications can be made at www.vividecho.co.uk

HULL: Professionals from one of Hull’s leading accountancy and business advice firms have put their best feet forward to raise more than £1,000 for charity. The team from Smailes Goldie Group, which has offices in Hull and Barton, have presented a cheque for £1,135 to the Dove House Hospice after running the Hull 10K.

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PORT: Lord Prescott, second right, with, from left, Sam Whitaker, Mark O'Reilly, David Dingle CBE, Prof Amar Ramudhin, director of the Logistics Institute at the University of Hull, Simon Bird and Stephen Weaver, head of commercial strategy and new business development at P&O Ferries.

Ports boss endorses the Humber business growth Maritime UK chairman hails â&#x20AC;&#x2DC;remarkableâ&#x20AC;&#x2122; regional development THE chairman of Britainâ&#x20AC;&#x2122;s leading port body, Maritime UK, has endorsed the Humberâ&#x20AC;&#x2122;s strong ambition for further growth, describing the development of the regionâ&#x20AC;&#x2122;s port as â&#x20AC;&#x153;remarkableâ&#x20AC;?. David Dingle CBE was guest of honour at the Humber Maritime Showcase held as part of London International Shipping Week, last week. He said: â&#x20AC;&#x153;It was a really fantastic showcase of everything the region has to offer in the maritime sector. â&#x20AC;&#x153;I have been watching what is going on, everything from a wet bank holiday Monday sat on holiday in France watching coverage of City of Culture celebrations going on, to thinking about the University of Hull, about

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By Henry Saker-Clark henry.saker-clark@hulldailymail.co.uk

the tremendous academic record it has got. â&#x20AC;&#x153;It needs to be heard about more. There is so much energy, so much activity, coming out of one region that the whole of the country and the world needs to know about. â&#x20AC;&#x153;It is really, really impressive. I am delighted to offer support and recognise contribution to UK maritime economy.â&#x20AC;? Humber ports are the busiest by tonnage and the fourth busiest in Europe with 86 million tonnes of cargo and 17.5 per cent of Britainâ&#x20AC;&#x2122;s maritime trade. Mr Dingle said: â&#x20AC;&#x153;A total of 240 maritime companies are active in the area. It is remarkable. We need to bring that to everyoneâ&#x20AC;&#x2122;s attention; the UK Government, the business partners that we come across from outside the country, we want to help that, and grow these numbers even more. â&#x20AC;&#x153;It is not only emerging as a highly successful area and going on to greater success, it is part of a national success story.â&#x20AC;? Lord Prescott used the maritime event to

call for the Government to make the Humber a â&#x20AC;&#x153;place for growthâ&#x20AC;?. ABP port director Simon Bird told how the mega port was â&#x20AC;&#x153;brimming with potentialâ&#x20AC;? to build on the trade it already handles across Hull, Goole, Grimsby and Immingham Mr Dingle said: â&#x20AC;&#x153;The Humber had its fair share of unemployment and economic challenges and is now undergoing this wonderful transformation and taking centre stage in this green revolution with the wind farm industry. â&#x20AC;&#x153;You are playing a part in the energy revolution that is so essential to the future of our country. We are excited to see Team Humber Marine Alliance getting so close to Maritime UK to become part of the development offer. You and the Mersey are the leaders, you see how close we are to so much of this, to the industry and manufacturing, and see how that corridor between Liverpool and the Humber can work. â&#x20AC;&#x153;We need to balance out anything we may lose out of Brexit with bigger opportunities elsewhere. The Humber has opportunities AND is playing a significant part in a world-leading British maritime proposition.â&#x20AC;?

Graduates start transport planning internships HULL: Two University of Hull graduates have started transport planning internships at Beverleybased transport and traffic engineering specialists, Local Transport Projects (LTP). The company claims that the new interns highlight its growth in career opportunities for graduates with an interest and

expertise in transport and traffic engineering. â&#x20AC;&#x153;Both are full of energy and enthusiasm and are gradually being introduced to the work we do here at LTP, including familiarising themselves with the reports we produce, the training courses that we run and attending site visits with senior staff,â&#x20AC;? said Andy

Mayo, director. â&#x20AC;&#x153;This is an excellent opportunity, both for them to gain more experience in a potential career and for us to bring in new academic ideas, approaches and skills.â&#x20AC;? Both graduates expect the internship to enhance their career prospects. For details visit www.local-transportprojects.co.uk

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hulldailymail.co.uk

YOURMONEY POUND NOTES

More homeowners are remortgaging HOME OWNERS RUSH TO REMORTGAGE THE number of home owners re-mortgaging bounced back in July to reach its highest level since the start of 2017. There were 36,800 people re-mortgaging, up 7% on June and 10% higher than a year ago, according to UK Finance, which represents banks, building societies and other bodies. It said that overall, the number of people re-mortgaging over the last year has been at its highest level since 2009. AVERAGE FUNERAL ‘COSTS OVER £4,000’ THE average funeral in the UK now costs £4,078 – an increase of 4.7% in just a year, according to analysis by SunLife. For one-in-nine families, ﬁnding the money to pay for their loved one’s funeral caused them ﬁnancial problems, the research found. Some borrowed money from friends or relatives, some put it on a credit card or took out a loan, while some worked out an instalment plan with a funeral director. STUDENTS RISK LACK OF INSURANCE NEARLY half of university students have not insured their valuables as they head back for the new academic year, research suggests. Some 46% of students surveyed do not have home contents insurance and a further 8% are not sure whether their 46% of students possessions are not insured would be covered or not, Co-op Insurance found. When it comes to reasons for not getting contents insurance, more than a third (34%) put cost as the biggest barrier, while less than a third (28%) have not got round to getting it.

MONEY FACT A NEW £10 banknote featuring Pride and Prejudice author Jane Austen was launched this month by the Bank of England. Look out for ﬁrst edition notes bearing the lowest AA serial numbers as they could be popular with collectors in the future.

Are you sure you’re insured?

A surprising amount of households have inadequate cover

DON’T BE COMPLACENT WHEN IT COMES TO COVERING YOUR HOME AND CONTENTS, WRITES TRICIA PHILLIPS

ALF the people who have home insurance admit they do not know if the details they provided to their insurer were 100% accurate. That’s not surprising when research from Swinton reveals that almost 50% of us made a rough calculation of the value of our home contents when we took out cover, while one in 10 said they made a blind guess. Home insurance is a product where buyers typically don’t take enough care – with Swinton revealing one in five people have no idea what their policy does and doesn’t cover. This can leave many people out of pocket with large numbers being caught out underinsured – costing an average £500 each. Mike McGrail, senior product manager at Swinton insurance group, says: “Contents insurance is something that we know can cause confusion. We encourage people with any doubts to speak to a professional for guidance. “As a simple guide, we’d also always say, in the first instance, if you’re unsure what kind of items are covered, imagine turning your house completely upside down. Anything that falls out is usually classed as contents and is unlikely to be covered by

buildings insurance alone.” Latest figures from the Association of British Insurers show that one-in-five households don’t have home insurance. That’s their personal choice and they may be happy taking the risk of losing their possessions. But, more worrying are the millions at risk of having the wrong cover, and despite coughing up premiums, getting caught out when disaster strikes. If you are going to take out home insurance then you need to make sure you get the right cover at the right price. When working out the value of your possessions don’t just go for a blanket amount. You could end up paying over the odds for cover you don’t need and still find your most precious belongings are not protected. Property insurance costs an average of £308 a year in 2016, down 10% from its peak in 2012. Insurers paid out £8.1million per day in claims at an average of £2,250 each time. Weather-related incidents topped the list of claims costing an average £2,100, followed by escape of water at £2,500 and fire at £14,900. Remember that building insurance and contents insurance policies cover different things. Building insurance gives protection against damage to the

physical structure of your home a specialist insurer. such as the walls, roof and Home contents cover commonly windows. It also covers permanent only covers your possessions for fixtures which can’t realistically be loss, theft or damage when they removed and reused, such as fitted are in your home. If you take items out of your kitchens and bathrooms. Home contents insurance covers home – such as jewellery that you everything else, from jewellery and wear, laptops or a handbag – make artwork or antiques to computers. sure you have personal possessions cover on your policy. Most Be sure to tot up the cover you firms offer this as an added need, don’t just guess. It extra. may sound like an It is advisable to impressive amount if review your cover you get cover for each year. Some £50,000, but it items may increase could mean you in value and you have too much may have purcover and that chased new items, particular possesso you might need sions still aren’t to increase the total covered. Possessions that cost Make sure you name level of cover you have. expensive items It is worth taking more than £1,000 to photographs of £2,000 and upwards to valuable items as this could help replace are classed as high-value. prove you owned them if you need These are often not automatically to make a claim. A photo could covered on a standard home also help the police recover them. insurance policy – unless they are When it comes to renewal don’t a named item. simply stick with your current Make sure you know what the insurer – the most competitive maximum value is for any provider changes from year to individual item on your policy. year. Use comparison websites to Most insurers have limits, which compare quotes, be sure to check can be as low as £1,000. the levels of cover you are getting Find out if any items above that on cheaper policies and keep an value can be added to your policy eye on the excess demanded by as a named item. Or you may need to take out extra cover or find cheaper cover.

Three ‘zombie’ financial products to look out for WITH Halloween approaching, you might want to watch out for any “zombie” ﬁnancial products you may have lurking, giving you low returns for your cash or charging you high fees. Danny Cox, a chartered ﬁnancial planner at Hargreaves Lansdown, tells us the types of

products to look out for: ■ Child trust funds THESE accounts were succeeded by Junior ISAs, launched in 2011. In some cases, child trust funds are more expensive, have lower interest rates and less options than a Junior ISA. ■ Old personal pensions COMPARED with modern

versions, older pensions (particularly pre-2000) can charge more for less. But do check if you are entitled to beneﬁts that were offered within older pensions – guaranteed annuity rates for example. ■ Instant access cash accounts AROUND 80% of people haven’t moved their

instant access cash account for three years, leaving their savings to lose value once inﬂation is taken into account. For those unlikely to rate-hop for the best buys, ﬁxed-rate accounts can offer improved rates, and the stock market could be considered for some of your longer-term cash.

Shop around for children’s accounts

8 Wednesday September 27 2017

hulldailymail.co.uk

IN BRIEF

MAI-E01- S3

BUSINESS

Are you ready for a tax inspection?

WORK PLACEMENT: Robert Booth with University of Hull students Jacob Ward-Pike and Raimonda Globyte in 2016.

HULL: Chartered accountants at cbaSadofskys are warning local businesses that HMRC compliance officers are randomly targeting SMEs to investigate their tax affairs. Katy Booth, corporate finance director at cbaSadofskys, said: “The Government is using all available means to raise additional funds. A typical tax enquiry can take more than two years to conclude and, if HMRC decides to investigate your tax affairs, you must comply. Some businesses have been fined up to £3,000 for missing paperwork.

Stay healthy and be well HULL: The health and wellbeing of small business owners, the self-employed, and staff of small employers are at the heart of a new campaign launched by The Federation of Small Businesses (FSB). The new drive from FSB will help its members – and the wider 5.5 million-strong small business community across the UK – reap the benefits of a positive approach to wellbeing, which are felt not only by the business they run, but also by the economy and society as a whole. The campaign has been launched in response to a rise in incidents of health and mental health conditions across the UK’s workforce.

Oil business builds ties with university students RE:Group laboratory forges links with city

On the instructions of

RETAIL WAREHOUSE TO LET / MAY SELL 10,591 SQFT (984 SQM)

PROMINENT FRONTAGE HIGHLY VISIBLE FITTED OUT SHORT WALK TO BUSY CITY CENTRE Further information/viewings

REED STREET FREETOWN WAY HULL HU2 8JJ

A HULL-based fuel oil manufacturer has seen development following a growing relationship with the University of Hull. More than half of the staff at the manufacturer and waste oil recovery specialist RE:Group’s laboratory have come from the university’s chemistry department boosting research for the Air Street-based company. The firm has gone from strength-tostrength in recent years and now has a total of 50 staff at two Hull sites on Bankside. The laboratory is run by production director Robert Booth, who is a Hull graduate, and has helped to steer this strong relationship between the two organisations. Mr Booth said that the link with the University of Hull was proving crucial in the search for young talent. He said: “There has been plenty of interest from the chemistry department in sending

By Henry Saker-Clark henr y.saker-clark@hulldailymail.co.uk

students here and we have been very impressed with the high standard of candidates. “They bring energy and new ideas and, in turn, we give them experience of a practical working environment and the chance to show what they can do in terms of research and development. “We have taken a single student on placement for the last four years and, now, we are happy to go up to two because we are confident we can oversee their development so they can make a real contribution. Our business is growing and they can help us to take it forward.” Talent developed at the improving university includes Jacob Warde-Pike, of North Wales, who has taken up a full-time post after graduating, having previously been at RE:Group in 2015-16 on a year’s paid placement. Mr Warde-Pike said: “I was given the chance during my placement to develop my own ideas and take them to full plant trials. That’s something I really appreciate. “I’m happy to be back and also to have the chance to stay in Hull, which has always impressed me since the first time I came to the city.” Ashley Cramer-Smith, of Cheshire and Hannah Marsden, of Kent, have started third-year placements as part of their four-year degree courses. And Raimonda Globyte, from Lithuania, who has lived in the UK since 2010, is working part-time after finishing her placement. The laboratory offers in-house analytical services alongside research and development facilities to continue work in advancing fuel products.