Your Top 10 Questions.
1. What is Licence Shield and what are the benefits
2. Geographic coverage of Licence Shield
3. List of offences covered
4. During check out, I don’t understand the question about;
Points on my licence What Car I drive5. What area our lawyers cover
6. Discounts for multiple people
Private Business (10+ people or more)7. Types of Vehicle or Licence covered
8. I am a named driver on someone else’s insurance policy; can I take out Licence Shield?
9. I have over 9+ points on my licence can you quote me?
10. I drive more than one car
1. What is Licence Shield and what are the benefits
Licence shield, is a legal protection ‘Motor Offence Insurance’ policy, which may cover the reasonable legal costs incurred if you are accused of a motoring offence. NOTE; alleged offences must have been committed within the period of insurance.
Our lawyers (although you can choose your own) have a 90% success rate in defending an allegation and 95% success in avoiding a ban. This is based on over 3,000 cases over the last few years.
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2. Geographic coverage of Licence Shield
Licence Shield currently covers England & Wales only; we will hopefully be adding Scotland around Mid October 2010 too.
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3.
List of offences covered
All motoring offences that are punishable by penalty endorsement with the exception of any one or combination of the following; driving under the influence of drugs (including alcohol), dangerous driving, causing death/bodily harm or any form of deliberate criminal act such as theft.
Pleas in mitigation are also covered when you are at risk of a ban.
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4. During check out, I don’t understand the question about;
Points on my licence
This question asks exactly how many points you currently have on your licence, we’re only interested in points during the last 3 years, as after then the points ‘expire’. The rationale behind the question is that the underwriter (the company who takes the ‘risk’ on the policy) perceives those with more points on their licence as more likely to claim.
What Car I drive
This is an optional question that helps us understand our customer, we're thinking about removing it due to confusion it sometimes causes. The policy does not cover you in any one car...but in any motorised vehicle that you are legally allowed to drive.
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5. What area our lawyers cover
Our panel of lawyers have a nationwide coverage, so we're able to handle everyone's case!
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6. Discounts for multiple people
Private
We're afraid we do not offer discounts to multiple individuals at present.
Business (10+ people or more)
We do have pricing and payment options for group customers (10 or more people). You will need to speak with a Motoring First Manager on 01212 88 36 21.
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7. Types of vehicle or licence covered
Vehicle’s covered:
ANY type of motorised vehicle that you are legally allowed to drive either privately or professionally. This includes cover for all professional drivers.
Licence’s covered:
Full UK or foreign equivalent.
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8. I am a named driver on someone else’s insurance policy; can I take out Licence Shield?
Yes. Licence shield covers the individual's licence and is totally separate from your normal car insurance.
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9. I have over 9+ points on my licence can you quote me?
We’re working hard to provide a policy to allow drivers with 9+ point’s access to Licence Shield.Â
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10. I drive more than one car...
Not a problem! You're covered in any car/bike/truck/etc provided you're legally allowed to drive it.
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Did You Know...
MOJ figures from 2006 show that 79% of people who defended themselves (self represented) in road traffic cases still got convicted (i.e. a 21% success rate).
When you compare that with our panel of lawyers who have a 95%+ success rate over the last 5 years, then you can see what a difference it makes being represented by a professional - and what a time & cost saving Licence Shield can make you!
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Did you know...
New drivers have a probationary period; where if they accumulate 6 points within 2 years they are automatically banned.
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Did you know?
Compared to a driver with a clean licence, those with:
- 3 points pay £77.29 per year more on their car insurance premium!
- 6 points pay £227.96 per year more on their car insurance premium!
- 9 points pay £412.39 per year more on their car insurance premium!
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Did you know?
- The average fine at court is £319
- The "£60 fine + 3 points" is now "£75 fine + 3 points"
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