H V O Is there a future ?

This may be a useful means of maintaining existing infrastructure and reducing Carbon emmissions by 90%


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ECO Fuel – More Practical than Electricity

This artcile is copied from the APEA Bulletin Magazine March 2021

By Simon Lawford, Technical Manager, Crown Oil Bulletin March 2021_Bulletin March 2021 01/02/2021

The future of fuels Until relatively recently, the UK lacked a drop-in fuel that matched the performance attributes of diesel with green credentials. But innovations in modern chemistry have identified a low-emission fossil fuel alternative that has improved operational performance verses fossil diesel, with considerable environmental benefits and that supports current logistical infrastructure. This cost-effective, practical solution has so far been overlooked by the UK fuel market. Less reliable, early-generation biofuels have until now been the only option within the UK which has led both industry and government to ignore liquid fuels within its plans for net zero. Paraffinic fuels such as Hydrotreated Vegetable Oil (HVO) represent the future of liquid fuels and provide a reliable solution to tackling air pollution and overcoming many of the barriers to decarbonisation. These modern fuels have been designed to combat the environmental and performance air quality and climate change are not yet being effectively tackled. Current policies include reducing emissions from both new and existing buildings, increasing the use of zero or low carbon fuels and reducing vehicle emissions to zero, with a proposed ban of fossil-fuelled vehicle sales by 2030. However, workable  inadequacies of earlier generation biofuels and conventional fuels. This is the result of a hydrogen-based production process, rather than FAME biodiesel’s esterification production method. The outcome is an entirely different paraffinic diesel product, with low aromatic and naphthenic hydrocarbon content and zero sulphur.

So why would you use HVO over regular diesel?

HVO is an advanced renewable diesel fuel derived from 100% renewable waste streams through hydrotreatment and isomerisation. It meets bio content requirements with no FAME included and, to that point, avoids the instability and operability issues seen by many low blend diesels and high blend biofuels. A long-life renewable diesel During the production process, feedstocks are saturated with hydrogen at high temperatures and pressures which removes any esters and oxygen, enabling it to resist ‘diesel bug’. This means that the rate of degradation of HVO is far slower than regular biodiesel, offering a considerably longer shelf life of up to 10-years, which is particularly desirable when operating standby power facilities. Year-round performance Another superior attribute of HVO is its extremely low cloud point of up to -32oC. This avoids the frequent filter blockages seen by many FAME fuels without the use of cold flow improvers. Biodiesel can freeze at 5oC, even when incorporated as a blend in fossil diesel, resulting in an increased need for costly remedials and preventative heating and thermal measures during storage. A faultless, drop-in solution HVO is a 100% renewable hydrocarbon and can therefore be mixed with diesel in all proportions, causing no issues with switching tanks or fuels. It offers significant fuel savings thanks to its contents being readily burnt and operable within an engine; what you inject into the engine converts more efficiently into usable work. So, it’s clear that HVO provides enhanced logistical benefits compared to mineral diesel but how does it compare in terms of emissions?

Paving the way to a greener future As a 100% hydrocarbon, biodegradable, sustainable and renewable fuel, HVO has reduced particulate, NOx and carbon monoxide production during combustion which significantly improves air quality. HVO fuel offers a fast and simple step towards “net zero” with no CAPEX requirement and reduces greenhouse gas CO2 emissions by 90%, with no changes to engines or their peripherals required. The feedstocks used to manufacture Crown HVO are 100% waste, drawn from primary sources which have bypassed damage to the environment, natural ecosystem and the drive for global deforestation. HVO is manufactured from waste, plant oils, animal oils and fats such as used cooking oil. When HVO is burnt, any CO2 that is produced is then sequestered back into a plant on the next regrowth cycle. This closed loop ensures that the net atmospheric CO2 increase is typically 90% lower than that with from mineral diesel fuel. For every 1,000 litres of diesel burned, you will produce 3.6 tonnes of greenhouse gas CO2, compared to just 195kg GHG CO2 for every 1,000 litres of HVO burned. Don’t just take our word for it… Civil engineering and environmental firm, Land & Water, trialled Crown HVO in its machinery at a site in Rainham, Essex. Land & Water chief executive, James Maclean, said: “As a planet, a nation and as individuals, we are at a pivotal moment in history.” “We need to find innovative ways to cut our carbon emissions,” he added. “As a company that operates a vast fleet of machinery, we are impressed by Crown Oil’s HVO fuel so decided to put it through its paces on one of our busiest sites. “HVO fuel can be put directly into the machinery, with no need for adaptions and it has performed faultlessly. It is our belief that Crown HVO could play a significant role in the UK Government’s goal of becoming net zero in terms of carbon emissions by 2020.” The 6000 litres of HVO used during the trial saved around 18 tonnes of GHG CO2 and a significant quantity of NOx and particulate matter too. In addition, Land and Water reported a 10% reduction in overall fuel consumption when compared back-toback with mineral diesel. So why wouldn’t you use HVO? The proven benefits of using HVO are plentiful, including yearround usability, up to a 90% reduction in greenhouse gas emissions and direct drop-in functionality, making it a complete replacement for diesel.

Its excellent environmental and logistical credentials are being increasingly noted – proven by a 100% increase in UK uptake in the last year. However, despite this increase, HVO still holds a minority share in the global diesel market and larger biofuels market, and the rise in electric vehicles presents a new set of challenges and opportunities.

HVO vs battery-electric power?

Recent government announcements have signposted a move to electric vehicles (EVs) which are the favoured route to reduce notifiable emissions, such as particulates, NOx, carbon monoxide and carbon dioxide. Whilst EVs undoubtedly reduce emissions to zero at the tailpipe, a closer look at the reality has led some to question the logic behind this move. The Institution of Mechanical Engineers recently published their “Accelerating Road Transport Decarbonisation” report which sparks some debate over the Government’s electrification strategy, particularly the effectiveness of EVs at reducing greenhouse gas emissions. A key part of the report is the life cycle analysis comparison of traditional fuel technologies vs several “low emission” technologies, including renewable liquid fuels, LPG (liquid Petroleum Gas), PHEV (Plug in Hybrid Electric Vehicle), BEV (Battery Electric Vehicle) and FCEV (Fuel Cell Electric Vehicle). The report concludes that current technology that runs on renewable liquid fuels outperforms new electric technologies in all cases from a GHG emission perspective. This is due to several factors, not least of which are the high production emissions from less optimised EV production routes, battery production and the relatively high GHG emissions found in UK electricity production. Indeed, the Government’s own figures (UK Government GHG factors for company reporting) offer a carbon factor of 0.233 KgCO2e/kWh for electricity generation across the UK grid (inclusive of current renewable generation). When compared to diesel fuel, electricity does not offer significant savings, as diesel produces 0.245KgCO2/kWh. Renewable fuels such as HVO can produce carbon emission factors of 0.032KgCO2e/kWh which is a factor of 10 lower than either diesel or electricity. Furthermore, it’s clear from data published by BEIS (Department for Business, Energy & Industrial Strategy) that it will take the National Grid until 2041 to reduce grid emissions to this level and until at least 2050 to be 100% carbon neutral; all of which is predicated on massively increasing renewable electricity generation and contentiously, nuclear power. What’s more, the Government’s plans do not take into account the building of infrastructure and additional power generation capacity needed to increase the proliferation of charging points, which are likely to be fuelled by fossil diesel. Finally, there are an estimated 308.3 million passenger vehicles in use across Europe, with an average lifespan of 12 years, and 99% of these are diesel/petrol and HVO offers the opportunity to switch these diesel vehicles to a cleaner fuel now rather than waiting for electricity to catch up. Given the urgency of the climate crisis, there simply isn’t enough time to wait for an increase in EVs to make a significant reduction in emissions. The adoption of electric vehicles is not the sole answer; and switching to renewable, paraffinic fuels offers a much easier and immediate solution. Although this message appears to have been lost on the UK Government, other European states such as Sweden recognise that climate and air quality improvement cannot rely on a “one size fits all” approach. This has led to the development of a multi-point strategy which includes the use of high content renewable fuels as well as the development of the EV market. Obstacles to adopting cleaner fuels The production of HVO is often linked to the use of palm oil as a feedstock and this perception has led the fuel to be faced with some scepticism. Whilst HVO can be produced using this feedstock, changes in legislation both within Europe and the UK has meant that palm derived HVO is no longer a commercially viable option. At Crown Oil, we do not support the use or sale of palm oil derived HVO and will only supply ISCC verified waste-derived product into the market. The Proof of Sustainability (POS) produced and verified by the ISCC confirms the origin of raw material and ensures that users can verify the credentials of Crown HVO. Our renewable diesel does not contain any products that contribute to global deforestation, land use changes or virgin raw materials and is therefore accepted by the RFTO for the issuance of RTFC credits as a waste derived product. Arguably, HVO is still regarded with some uncertainty as it’s a relatively new fuel in the UK. As well as concerns over its sourcing, questions around operability and performance are commonplace, so scaling the market and improving awareness is a challenge. The benefits associated with HVO use are currently restricted to a small (but growing) group of early adopters in the UK and a general lack of awareness hinders the fuel’s ability to tackle the legislative, reputational, and environmental consequences of fossil fuel reliance.

This isn’t to say that these hurdles cannot be overcome – HVO is already widely available at the pump in Finland, Sweden and several other European countries. Finland and Sweden were quick to see its potential and introduced excise duty relief to help drive adoption rates. These are now being phased out as the market has expanded to the point where it’s self-sustaining. The main barrier to UK uptake is cost; the economies of scale seen with the production and distribution of fossil fuels makes them significantly more appealing to organisations, so investing in alternative fuels is a commercially challenging case to argue. However, with low upfront costs needed from the consumer and government support in place (such as a fuel excise duty rebate for non-fossil fuels as per Scandinavia) the price difference would prove far more acceptable than alternative low carbon options which involve high investment, complex maintenance and disruption to operations. The transition to HVO is effortless by comparison, greatly increasing the chances of successful adoption. Another hindrance for alternative fuels is that they have been previously hard to source in bulk quantities in the UK as HVO isn’t produced at the same scale as mineral diesel. However, fuel producers and distributors such as Crown Oil are already working to address this, by improving the supply chain and boosting production to enable greener fuel adoption. As HVO becomes more widely implemented, the increase in uptake will garner a decrease in production and distribution costs; forging savings that can be passed on to the consumer. Crown Oil has red and white HVO positioned across the UK with the vast majority of deliveries available either same day or within three days of order. An immediate and reliable solution to air pollution Despite evidential obstacles, paraffinic fuels provide vast scope for an immediate and tangible effect on tackling air pollution. With 11,900 large UK corporations legally required to report their emissions and a proposed ban of petrol and diesel car sales by 2030, the government needs to further encourage innovation in alternative fuels. There is no time to waste when it comes to tackling GHG emissions. The government must start supporting alternative renewable fuel solutions that will work and back industry to increase production and implementation of these fuels. Whilst there is no silver bullet when it comes to air quality, the available short-term wins in the form of low-emission fuels are paving the way to a greener and cleaner future for many industries. With a strong infrastructure and a robust existing supply chain, paraffinic fuels can play a crucial part in tackling air pollution on a significant scale. Global-MSI Helps Protect Green Drivers By Andy Kennedy, Business Development Director,Global-MSI — Petrol Sign UK Doncaster based Global-MSI has been busy recently designing bespoke canopies for clients wishing to provide their environmentally conscious customers with a better filling experience. While more and more low carbon fuel filling points have been installed, few have been supplied with the luxury of being under cover. As the customer base grows, operators are looking to differentiate themselves from the competition and provide the best experience for their customers. To meet this demand most large operators are approaching Global-MSI as the UK’s leading forecourt canopy specialist to provide a canopy solution. With a full design and build capability using in-house staff, GlobalMSI can work with the client to provide an individual canopy to meet their needs, based on the individual requirements and restrictions of that site. As this is still a relatively young market there is a scope to work with the client and architect to provide statement designs, as well as cost effective options based on the customer’s requirements for each site. For example, the hydrogen filling facility at Heathrow has a striking design that stands out with a very distinct look. We believe this enhances the installation and makes a bold statement that hydrogen is a fuel of the future. There are additional complications that Global-MSI had to take into consideration looking at such as hazardous zones around the hydrogen dispenser.

Another hydrogen installation completed was for Shell at Cobham services. While the design is still a cantilever canopy it is a more utilitarian design than Heathrow. This fits in better with the existing forecourt structures and maintains a corporate style in keeping with the rest of the site. Global-MSI is also seeing an uptake to supply protection canopies for E.V. charging stations. Sites are realising (as they did many years ago with forecourt canopies), customers do not like to fill up their vehicles in the rain. To provide some protection from the elements, a small canopy over the charging point is an ideal solution. Compared to the overall cost of a new installation the addition of a canopy is a small part of the full investment and can be seen as a long term investment on the site. As can be seen from the BP E.V. installation at the O2, Global-MSI took the design from concept drawings through to full design, construction and installation. The brief for the canopy was a light, airy look to fit in with the rest of the charging low carbon footprint complex. The idea being it blends into the surrounding background to minimise the effect on the area street scene. The Shell Derby installation took a different direction, with a stronger canopy installation to incorporate solar charging panels in the roof to maximise carbon offset.

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Insurance Claims !

How to deal with someone claiming from you

In most cases where a claim against you is brought to your attention it is done so formally through a letter from solicitor representing the claimant. In certain cases, (but seldom), you might have a complaint from someone which might suggest that a formal claim could follow.

Never attempt to deal with a formal claim until you have reported the matter to your Insurer as to do so could easily prejudice their subsequent chance of a defense and could lead to them refusing to deal with a claim. Always call your Insurer to discuss and agree the appropriate response.

In the case where someone approaches you informally, please remember it costs nothing to be a nice person and being overly-defensive or angry simply will not help.

Please read the sentence below and put it to use.

Always remember - call us to discuss any/every incident. We will advise and guide you.
Gerry Monks                  Stephen Brack                   Jackie Reid
087 2830560                   086 0400568                       01 2988266
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Insurance issues worth noting

Instructions to all staff – dealing with Shop Lifting The number of incidents involving shop owner/managers/staff facing legal actions against them for defamation of character has increased sharply. So too has the cost of subsequent court awards and claim payments.

These incidents typically arise when it is thought by the owner/manager/staff that a “customer” has appeared to act suspiciously, or may for example appear to have a concealed an item from view. Be aware that there is clear evidence of certain individuals deliberately and conspicuously acting suspiciously inviting the approach so as to build a potential claim for compensation. The average claim cost here is now in excess of €22,000.
Before approaching a person, there are simple steps to follow:
1.    You must see a subject enter your shop and see that the customer does not have any merchandise in their hand or that they haven’t retrieved an item from their own purse, bag or pocket.
2.    You must see the customer select your merchandise
3.    You must see the customer conceal, carry away or convert your merchandise
4.    You must maintain continuous observation of the customer
5.    You must see the customer fail to pay for the merchandise
6.    You must approach the customer outside of the store out of hearing range of others Whilst not always possible it is also advisable to have a colleague with you. When approaching, be polite – friendly – apologetic even! Enquire if perhaps they may have taken an item and perhaps overlooked paying, or indeed that a teller possibly missed an item and suggest that they return where you will take for the item, without  having to enter a queue.

Review positioning of CCTV and where none are placed consider installing mirrors. Post signs stating that the premises are monitored by video and stating policy to prosecute shoplifters. Staff must be instructed how to respond.

Always remember - call us to discuss any/every incident. We will advise and guide you.
Gerry Monks                  Stephen Brack                   Jackie Reid
087 2830560                   086 0400568                       01 2988266
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Insurance Tips

Is there anything that I can do to prevent my premium from increasing?

There are many actions with little or no cost that can be done.

27th January 2021

Inadequate Sums Insured – The Consequences

In the event of a claim for loss or damage to your property, regardless of size, where your Sum Insured is found to be inadequate, your Insurers will apply Average Clause. That is to say that your settlement will be proportionately reduced. So if for example cigarettes are stolen to the value of €10,000 where your Sum Insured was €10,000 but the Loss Adjuster sees that the average level of total Stock of Cigarettes is actually €20,000, your Insurer will reduce your claim payment to €5,000.

When determining the adequacy/accuracy of your Sums Insured please remember the following:

  • Buildings = cost of rebuilding, site clearance/removal of debris, architects/surveyor’s fees. Also – Don’t forget to include footing/foundation! This is critical for Subsidence claims! Service Stations – Don’t forget to include your Underground Tanks!
  • Fixtures, Fittings & all other Contents = Replacement on NEW for old basis, (ex-VAT-  if you are VAT registered)
  • Stock= cost price, (ex-VAT – if you are VAT registered)
Always remember - call us to discuss any/every incident. We will advise and guide you.
Gerry Monks                  Stephen Brack                   Jackie Reid
087 2830560                   086 0400568                       01 2988266
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Insurance tips

Is there anything that I can do to prevent my premium from increasing?
There are many actions with little or no cost that can be done.

13th January 2021

Avoid Liability Claims

There are many regulations under Health & Safety Legislation which you are obliged to comply with concerning accidents involving members of the public within your property and indeed outside. (EG. Slips, Trips, Falls, Burns, Cuts, Trauma Etc.)

You must keep an Accident Report Book. (Once again, a simple A4 Diary can be used.) Details of the incident, a note of all staff members on duty at the time and name and contact details of the injured party are all crucial. Witness Statements should also be taken from all relevant staff and a copy of any CCTV Footage of the incident must be made and retained for at least 2 years following the incident.

We apply a simple rule which serves well. Remember, it costs nothing to be a nice person. Very often we have found that when the retailer engages with the victim in a manner which shows genuine concern the victim is in a far more positive mind set and this often avoids them feeling as though they were ignored or worse, considered to be “chancing their arm!”

As we said previously accidents do happen and in the vast majority of cases they are genuine.

Call the victim the following day. Consider sending flowers or some other modest gesture. Showing concern is not an admission of liability and may prevent an incident becoming a claim against you!

More than ever, always call us and we will guide you. Believe us when we say, we are good at this!

Always remember - call us to discuss any/every incident. We will advise and guide you.

Gerry Monks,                  Stephen Brack &                Jackie Reid
087 2830560,                   086 0400568                     01 2988266
gerry@jdminsurance.ie stephen@jdminsurance.ie jackie@jdminsurance.ie

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Break ins on the rise in South East


Please be aware that there have been a series of  forced entries into shops in the Wexford region.

These criminals have shown a pattern of approaching the rear of premises, often through a field and spend a considerable length of time to redirect CCTV camera units so as to attempt to obscure their efforts to gain entry through steel doors and shutters.

Please review your security and remain on alert.

Gerry Monks                  Stephen Brack                   Jackie Reid
087 2830560                   086 0400568                       01 2988266
gerry@jdminsurance.ie stephen@jdminsurance.ie jackie@jdminsurance.ie

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JDM Insurance Services Ltd

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Dundrum Road

Dundrum, Dublin 14 D14 C1H5


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New Year 2021

Happy New Year to all who visit this site regularly

We thought that seeing the back of 2020 would be a sign for hope and peace and prosperity

Instead it seems we are starting with a far worse scenario than we left behind in 2020 and on top of that Donald Jenius Trump is determined to copy Putin and declare himself @life President of the USA

God help us all

Stay safe

And do what you are asked to do to keep others safe


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Insurance:- How staff makle the difference !

All staff members are critical to preventing claims

If there is one thing that is clear dealing with businesses where they have an excellent claims record it is where all staff members are trained well, kept informed and encouraged to be part of a team.

Staff members should be informed of the severity of the cost of your insurance and how inevitable premium increases arising from potential claims are a genuine threat to the economic survival of your business and so in turn to their jobs.

It is very much in the interest of all members of your team to work together to take every step to avoid incidents that could give rise to a claim.

For example:-
•    Armed robbery – No hero’s – give the cash – keep everyone safe!
•    Burglary – Be diligent – check locks and security in general
•    Slips/Trips/Accidents – Treat every victim like you would your mother!

Consider holding monthly Team Briefings with staff. Make sure information comes to you as well as from you to staff.

Work together to give yourself the best protection.

Gerry Monks
Account Director
JDM Insurance Services Ltd
01 2988266
087 2830560

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VAT RAte Change 1st September 2020

Please note that VAT is now charged at the rate of

VAT                   21%

From 1st September 2020


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