Insuring your car - Drink and driving - more

If your crime - make no mistake, it is a crimes to drink and drive - is a particularly bad one involving an accident for which you were responsible, you may find that your insurances company is not prepared to reinsure you at all. In such a case you will have to go to one of the specialized insurance companies like Cloverleaf, who offer cover to bad risks, or to Lloyds.

Bad risks are often offered insurance only for very short periods and constant renewal is necessary.

After a while, if there are no further incidents an ordinary company will eventually reinsure you, but you may find that the punishment lingers on and you have to pay the first part up to maybe £600 of any future claim you may make.

In certain trades and professions, driving is a necessary part of the work-day. In such cases the best form of insurance to safeguard your licence, is quite simply not to drink and drive.

You can, however, insure yourself against the damage a ban could do to your business and life by a policy which provides you with a chauffeur, if you are banned. But this is a costly and avoidable expense.

If you are determined to drink and drive, such a policy to cover yourself against disqualification costs between £65 and £60 a year.

Most ordinary car insurers will not even take on the risk, but there is one specialist company, St Christopher Motorists Security Association of Cheltenham (0242 20471).

A final note for pedestrians and passengers. If you happen to be hit by someone who is not insured, the Motor Insurers Bureau will pay any damages to you which are awarded by the court against a driver.

This arrangement covers only damage to people, not cars or property.


Driving and drugs

Payroll Giving
It’s all very easy to organise.
Just ask the Personnel or the Payroll Department at your company and, if they already have a scheme, they will give you the relevant forms.  HM Revenue & Customs’ website has a list of Payroll Giving agencies and explains payroll giving in more detail.

Salon Gold Insurance

Cheaper Insurance for Salons, Freelance Hair and Beauty, and Mobile Businesses - click here

read on: Insuring your car - Some final words of warning

If your crime - make no mistake, it is a crimes to drink and drive - is a particularly bad one involving an accident for which you were responsible, you may find that your insurances company is not prepared to reinsure you at all. In such a case you will have to go to one of the specialized insurance companies like Cloverleaf, who offer cover to bad risks, or to Lloyds.

Bad risks are often offered insurance only for very short periods and constant renewal is necessary.

After a while, if there are no further incidents an ordinary company will eventually reinsure you, but you... see: Insuring your car - Some final words of warning