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It is a well-known fact that vehicles powered by fossil fuels are one of the main causes of global warming, emitting numerous pollutants like particulate matter, volatile organic compounds, nitrogen oxides, carbon monoxide, sulphur dioxide and greenhouse gases. In addition to increasing the temperature and sea levels, intensifying droughts and floods, they also pose threats to human health. Frequent and often far customer visits by car, for example, to conduct a claims inspection, can therefore considerably affect a company’s environmental impact. There are greener alternatives by which insurers may replace their existing gas and diesel vehicles: bicycles, electric and hybrid cars or travelling by train.
According to research, cycling is the least carbon intense way of travelling and a form of sport providing cardiovascular benefits. There is a vast selection of bikes nowadays, available at different price ranges - cycle to work scheme can be also implemented. Nevertheless, it is convenient for shorter distances only as when the customer is located further away, it may be physically demanding and time consuming to use a bike.
In that case, switching to cars fueled by alternative energy sources may be more suitable. Both electric and hybrid cars are among the top least carbon intense transports, surpassing generic ones. Electric cars are powered by battery, thus, are not a source of emissions. If the electricity is sourced from renewable technologies (e.g. solar and wind turbines), the environmental footprint is even lower. As an illustration, electric cars were found to be approximately 4.5 times more energy efficient than SUV cars. Hybrid cars, fueled by electricity as well, do emit some.