Insure you Licence

[Pig]

http://www.driverplan.co.uk

[fat_controller]

how does that work then?

[Pig]

You pay the money and if you get too many point (only by adding them up by the looks of things, they pay for taxi's. Up to 12k for a £70 premium! Same with if you become injured etc

[JamesG]

Sounds a bit nuts if you ask me! I wonder whether you get a lump sum, or if you have to post them every single taxi receipt and bus ticket you get

[far]

like all systems like this the companies make their money by considering a certain proportion of customers will never keep up with the administration required to get the refund on the travel expenses - I am sure the whole procedure will be covered in red tape.

[Snooze]

Need

Doesn't cover any Dangerous Driving offences.

 

Yes, you'd need receipts for everything:

 

the Insured shall supply to the Insurer such evidence as the Insurer may require of the period of disqualification or revocation or incapacitating injury and the travel costs incurred;

(i) the Insured shall obtain an account listing the daily use and cost of journeys made;

(ii) the Insured shall produce such substantiation as to confirm that the persons/companies used to maintain his/her mobility are licenced and insured for the purpose of providing vehicles and drivers for hire and gain.

 

Max payout is pro-rata'd:

the period of disqualification, or revocation, or incapacity is less than twelve months, the Insurer’s liability shall not exceed the sum that represents the same daily proportion of the Maximum Benefit stated in the Schedule as the period of disqualification, or revocation, or incapacity bears to twelve months;

 

For accident and theft cover, they only cover 3 weeks hire max:

 

the period of hiring does not exceed 21 consecutive days or until the discharge of any claim made to the Insured’s motor insurer or until the discharge of the motor vehicle by the Insured’s motor repairers, whichever period is the lesser

 

And you pay a 3-day hire excess:

 

the Insured shall bear the cost of the first three days of any such period of hiring;

 

And, most notably, it's up to them what they pay for:

 

"alternative travel costs" shall not include any alternative travel costs which in the opinion of the Insurer would have been incurred by the Insured irrespective of such disqualification, revocation or incapacitating injury;

 

So maybe if you get disqualified and then get a taxi to work instead, they may be able to claim that you would have incurred some cost by driving yourself anyway?

[Pig]

Hmmm, looks like not such a great idea after all!