What happens if you get too many points on your licence...?

Transcription

1 What happens if you get too many points on your licence...?

2 B A N N E D!...or you are disqualified? The Answer? You could receive up to 30,000 * to spend on alternative travel arrangements. 2 Up to a maximum of 2,500 per month * Benefits are paid for a maximum period of 12 months from the date of disqualification or injury.

3 Your Licence, Your Lifestyle. St Christopher and ChauffeurPlan, the two biggest and most experienced names in loss of licence insurance, have now combined. Between us we have been helping drivers stay on the road for over 40 years. If you need to drive to maintain your lifestyle you need us. It s not a luxury it s an essential. We ve structured our Driverguard cover to provide you with the right cover to maintain your lifestyle if you are banned: Driverguard Plus, Premier, Executive and Elite Total Driver Protection Keeps you on the Road St Christopher ChauffeurPlan encourages safe motoring and doesn t cover disqualification for drink, drugs and reckless or dangerous driving related offences. We re on the side of the motorist. St Christopher ChauffeurPlan is underwritten by Isle of Man Assurance Ltd. 3

4 Your Licence, The true cost of losing your licence? * Item A 10-mile journey to work by taxi? A chauffeur? Inability to travel in your spare time? Inability to travel to see clients? Cost 900 per month? 1,200 per month? Your Freedom? Your Job? DRIVING LICENCE DVLA 1. ANTHONY NEIL 2. OTHER UNITED KINGDOM 4a b c. DVLA 5. OTHER LY HUNTINGDON STREET, YORK, Y02 6TH 4 8. A, B, f l k *subject to individual travel requirements

5 Your Lifestyle. Freephone today on The cost of staying mobile? From as little as 6.63 * per month to cover your travel expenses, and provide you with a free legal helpline should you need it. Whether you need a taxi, train, bus, plane or even a private driver, we have a range of Driverguard policies to keep you mobile... which could even save your job! *One twelfth annual premium 5

6 Your Licence, PLUS B A N N E D! Must drive to stay alive? Keeps you on the road, keeps you in your job, keeps you in your lifestyle. 6

7 Your Lifestyle. Freephone today on Driverguard Plus is designed to protect drivers, particularly those who HAVE to stay on the road to earn their income or to maintain their lifestyle. Driverguard Plus annual benefit to use on alternative 12,000maximum transport. For a premium of only pa or only 7.22 per month Premiums inclusive of IPT Sudden Loss of Licence/Disqualification For speeding or totting up of points Member get Member Bonus M&S Vouchers Free Legal Help Line (25 minutes free consultation) BENEFIT AVAILABLE (TO KEEP YOU ON THE ROAD) 1,000 MAXIMUM PER MONTH 50 worth PER NEW MEMBER INTRODUCED Yes FACT! Speed camera convictions in 2006 rose to a whopping 1,865,000 (latest figures). In 2008 there were over 6,000 speed cameras. YOU HAVE BEEN WARNED!!! Source: Freedom of Information. D. Telegraph. 31/1/09 7

8 Your Licence, B A N N E D! Going Nowhere Fast? 8

9 Your Lifestyle. Freephone today on Essential cover for the driver who HAS to keep mobile. Would your lifestyle be severely restricted if suddenly you couldn t drive? Driverguard Premier annual benefit to use on alternative 10,000maximum transport. For a premium of only pa or only per month Premiums inclusive of IPT Sudden Loss of Licence/Disqualification Frightened of being flashed? For speeding or totting up of points No Car? Loss of Use? Car stolen or in an accident. Cover 25 days (after first 3 days excess): Injured? Accidental injury at home, work, recreational or in an accident: Emergency Fund In case of an accident & you need help to complete your journey: Member get Member Bonus M&S Vouchers Free Legal Help Line (25 minutes free consultation) BENEFIT AVAILABLE (TO KEEP YOU ON THE ROAD) 835 MAXIMUM PER MONTH 30 CAR HIRE PER DAY 835 MAXIMUM PER MONTH 835 MAXIMUM 75 worth PER NEW MEMBER INTRODUCED Yes FACT! 82% of drivers interviewed consider their car to be indispensible Source: 9

10 Your Licence, B A N N E D! If you re going places you must stay on the road. Others depend on you to take essential precautions 10

11 Your Lifestyle. Freephone today on Driverguard Executive is the essential protection for the person who cannot afford to be off the road. Ideal for the fast moving, car dependent person whether it s for business, recreation, weekends away, hectic school runs etc. Driverguard Executive annual benefit to use on alternative 20,000maximum transport. Sudden Loss of Licence/Disqualification Frightened of being flashed? For speeding or totting up of points No Car? Loss of Use? Car stolen or in an accident. Cover 25 days (after first 3 days excess): Injured? Accidental injury at home, work, recreational or in an accident: Emergency Fund In case of an accident & you need help to complete your journey: For a premium of only pa or only per month Premiums inclusive of IPT BENEFIT AVAILABLE (TO KEEP YOU ON THE ROAD) 1,667 MAXIMUM PER MONTH 50 CAR HIRE PER DAY 1,667 MAXIMUM PER MONTH 1,667 MAXIMUM Member get Member Bonus M&S Vouchers Free Legal Help Line (30 minutes free consultation) Accident Pack Includes: Camera, Tape measure, Note book, etc. (Issued on policy purchase only.) 120 worth PER NEW MEMBER INTRODUCED Yes Yes FACT! 92% of motoring convictions between 2005 and 2007 were for speeding. Source: 11

12 Your Licence, ELITE B A N N E D! Fast Mover? Driverguard Elite is not a luxury it s an essential 12

13 Your Lifestyle. Freephone today on Driverguard Elite provides top level protection for top level executives and high mileage drivers who want security and peace of mind. Driverguard Elite annual benefit to use on alternative 30,000maximum transport. For a premium of only pa or only per month Premiums inclusive of IPT Sudden Loss of Licence/Disqualification Frightened of being flashed? For speeding or totting up of points No Car? Loss of Use? Car stolen or in an accident. Cover 25 days (after first 3 days excess): Injured? Accidental injury at home, work, recreational or in an accident: Emergency Fund In case of an accident & you need help to complete your journey: Member get Member Bonus M&S Vouchers Free Legal Help Line (35 minutes free consultation) Accident Pack Includes: Camera, Tape measure, Note book, etc. (Issued on policy purchase only.) BENEFIT AVAILABLE (TO KEEP YOU ON THE ROAD) 2,500 MAXIMUM PER MONTH 75 CAR HIRE PER DAY 2,500 MAXIMUM PER MONTH 2,500 MAXIMUM 150 worth PER NEW MEMBER INTRODUCED Yes Yes FACT! One in ten - 10 per cent - of drivers with nine points on their licence would lose their jobs if they were banned Source: 13

14 Your Licence, B A N N E D! Don t let the side down. How badly would you miss one of your team? 14

15 Your Lifestyle. Freephone today on Driverguard Team protection is available to teams or groups of 10 people or more at only per person, per annum Keep your whole team moving in the right direction. Driverguard Team 6,000 per person maximum annual benefit to use on alternative transport. Sudden Loss of Licence/Disqualification For speeding or totting up of points Free Legal Help Line (25 minutes free consultation) BENEFIT AVAILABLE (TO KEEP YOU ON THE ROAD) 500 MAXIMUM PER MONTH Yes Driverguard Team has been designed specifically to provide protection for members of teams at work or play or groups of friends. Call us on Freephone to discuss Corporate discounts on other Driverguard plans. FACT! In 2004, 2.3 million motorists committed speeding offences, with roadside cameras securing convictions in most cases. Source: 15

16 Your Licence, Tell A Friend Help protect your fellow drivers......and receive up to 150 of M&S vouchers As a St Christopher ChauffeurPlan member you already know that your policy is not a luxury but an essential and common sense part of your insurance cover, protecting your lifestyle by keeping you on the road. So why not Tell your Friends AND buy yourself a present at the same time? How does it work? Very easily. Ask your friend, relative or work colleague to fill in an application form (enclosed) and make sure they put in YOUR policy number (on your schedule) in the space provided (MgM Policy Number). Or, even simpler, they can apply directly on We will send you Marks & Spencers vouchers relevant to the policy purchased, for EACH* new member. 16 Membership Level VALUE OF VoucherS FOR EACH new member signed up DRIVERGUARD PLUS 50 DRIVERGUARD PREMIER 75 DRIVERGUARD EXECUTIVE 120 DRIVERGUARD ELITE 150 It s that easy. Spread the word and you could soon be spending your vouchers! *Vouchers for discount policies will be calculated pro-rata the premium paid. Voucher offer not applicable to Group policyholders.

17 Your Lifestyle. Freephone today on The Driverguard Help Card Free Legal Advice Help Cards have been designed to help you keep on the road. Keep it with you at all times. If you have any general queries to do with your policy, to check if you are covered in some situations for example, just ring the Freephone number on the front of the card. The card also serves as your In Case of Accident or ICA card, which is why you should keep it with you at all times. As a member of St Christopher ChauffeurPlan you have direct access to our FREE LEGAL ADVICE service. If you are unfortunate enough to be involved in an accident which is not your fault and suffer an injury, then call Freephone for your free advice for up to 35 minutes (subject to your policy level). So, if lawyers make you nervous or you think they will cost you a fortune, your Driverguard Help Card could save you money. Isle of Man Assurance Limited cannot be held responsible for any advice given by our independent legal advisers or actions taken by the policyholder acting on advice given. 17

18 Your Benefits Driverguard offers you a unique range of benefits and the choice of four different cover levels to suit your needs. Policies Disqualification Accidental Injury Car Hire Emergency Travel Legal Helpline Maximum Maximum benefits for up to 25 & Accommodation annual benefit for up to 1 year days (following Expenses 3 day excess) Elite 30,000 2,500 max 75 2,500 Yes per year per month per day maximum Executive 20,000 1,667 max 50 1,667 Yes per year per month per day maximum Premier 10, max Yes per year per month per day maximum Plus 12,000 No - Loss of Licence only Yes per year Premiums** Elite Executive Premier Plus Monthly Annual Spouse/Partner Monthly Annual **All premiums include IPT Group Discounts 6-15: 10% 16-25: 20% 26-50: 30% 50+: 40% People People People People

19 Please indicate the level of cover you require below. Sep 10 COVER PLANS PLUS PREMIER EXECUTIVE ELITE PERSONAL COVER PARTNER COVER* TEAMGUARD/GROUP APPLICATION Group/Team Name: DATE CURRENT COVER OF PENALTY LEVEL NAME: (Title, Initials, Surname) BIRTH POINTS REQUIRED *Only complete this section if partner cover is required. Please note that the 50% discount for spouse cover applies to full cover only. Your partner must not be insured on a higher level of cover than you and you must share a common payment method. In order to add your spouse or partner to your policy you must both be permanently resident at the same address. This offer is not valid in conjunction with any other offer. PRINCIPAL (or contact name for Group/Teamguard): (Mr/Mrs/Ms/Miss) Full Name PARTNER: (Mr/Mrs/Ms/Miss) Full Name ADDRESS: POSTCODE: TELEPHONE (DAY): DATE OF BIRTH: (Principal) Current Penalty Points DATE OF BIRTH: (Partner) Current Penalty Points (Principal) (Partner) Additional names/details may be added on your Team/Company notepaper. I/we hereby apply for Driverguard cover as indicated above. I/we are aged 21 or over, hold and have held a current full licence valid in the UK for a period of at least 2 years and are aware of the maximum points restrictions (see back page). I/we agree to be bound by the cover of our choice and the terms, conditions and exceptions of the policy of St Christopher ChauffeurPlan from time to time in force. Payment of any claims will be made only after receipt by the underwriters Isle of Man Assurance Limited of the full premium or any outstanding balance thereof. I/we declare that the information given in this form is correct with no material fact witheld. I understand and give consent that the information I provide about myself and, if applicable, my partner will be passed to or used by Isle of Man Assurance Ltd and its agents and subcontractors for and in connection with my insurance. This includes underwriting, processing, claims handling and fraud. I/we understand that Terms and Conditions apply and are available on request or on No claims can be accepted where the offence, injury or incident occurred prior to the start date of the policy. Please complete the payment details overleaf. Signature: Date: From time to time Isle of Man Assurance Limited may write to you with details of offers that may be of interest to you. If you don t wish to hear from us please tick this box: POLICY NUMBER (Official use only) BROKER OR REFERENCE CODE Please tick if you do not wish to send/receive instructions by fax, or telephone: MgM Policy Number Driverguard Application Form Please complete all relevant sections in BLOCK CAPITALS. Driverguard Freepost 1119, PO Box 179, IOMA House, Hope Street, Douglas, Isle of Man IM87 6EP info@driverguard.co.uk

20 Conditions: St Christopher ChauffeurPlan does not condone reckless driving. The policy has been designed to help keep you mobile so that neither your work nor your family should suffer if you lose your licence. This policy does not cover disqualification for Drink or Drugs related offences or those directly associated with dangerous or reckless driving convictions or driving without third party insurance. Drivers applying for Driverguard cover must be 21 years of age or older. All applicants must hold or have held a full driving licence valid in the UK for a minimum of two years, with no more than 8 penalty points current or pending (or 9 if agreed on a special case basis with reduced benefits). This insurance is underwritten by Isle of Man Assurance Limited ( IOMA ), of IOMA House, Hope Street, Douglas, Isle of Man. IOMA is authorised by the Isle of Man Insurance and Pensions Authority. IOMA is not subject to the same regulatory system as that applicable in the United Kingdom. Holders of policies issued by IOMA will not be protected by the United Kingdom Financial Services Compensation Scheme if IOMA should become unable to meet its liabilities. IOMA is authorised and regulated by the Financial Services Authority. IOMA is a member of the International Underwriting Association of London. For further information, or if you wish to complain about any aspect of the service you have received, please contact Isle of Man Assurance Limited. If your complaint is not dealt with to your satisfaction you can complain to the Isle of Man Financial Services Ombudsman Scheme. Copies of our complaints handling procedures are available on request. St Christopher ChauffeurPlan policies meet the demands and needs of those who wish to ensure access to alternative means of transport in the event of being prevented from driving through disqualification due to speeding or totting up convictions, personal injury following incapacitating injury that prevents you from being able to drive and car hire costs following theft, vandalism or accident. Terms and Conditions Apply. St Christopher ChauffeurPlan is a registered business name of Isle of Man Assurance Limited. Sep 10 COMPLETE THIS SECTION TO PAY BY CHEQUE I enclose my cheque in the amount of (annual premium only) payable to Isle of Man Assurance Ltd COMPLETE THIS SECTION TO PAY BY CREDIT CARD I wish to pay my premiums: Annually Monthly I understand that by choosing to pay by monthly installments that I will pay a minimum of 12 consecutive monthly payments. Please charge my credit card account until I cancel the order in writing to Isle of Man Assurance Limited. NAME CARD TYPE SECURITY CODE EXPIRES END CARD NUMBER I WISH TO PAY BY DIRECT DEBIT: Annually Monthly (Please also complete the form below.) Instruction to your bank or building society to pay by Direct Debit Please fill in the whole form using a ball point pen and send to: Isle of Man Assurance Ltd, FREEPOST 1119, PO Box 179, IOMA House, Hope Street, Douglas, Isle of Man IM87 6EP. Name and full postal address of your bank or building society To: The Manager Bank/building society Service user number Address Postcode: Reference Name(s) of account holder(s) Bank/building society account number Instruction to your bank or building society Please pay Isle of Man Assurance Limited Direct Debits from the account detailed in this Instruction subject to the safeguards assured by the Direct Debit Guarantee. I understand that this Instruction may remain with Isle of Man Assurance Limited and, if so, details will be passed electronically to my bank/building society. Branch sort code Signature(s) Date Banks and building societies may not accept Direct Debit Instructions for some types of account This Guarantee should be detached and retained by the payer. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Isle of Man Assurance Limited will notify you 10 working days in advance of your account being debited or as otherwise agreed. If you request Isle of Man Assurance Limited to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit, by Isle of Man Assurance Limited or your bank or building society, you are entitled to a full and immediate refund of the amount paid from your bank or building society. If you receive a refund you are not entitled to, you must pay it back when Isle of Man Assurance Limited asks you to. You can cancel a Direct Debit at any time by simply contacting your bank or building society. Written confirmation may be required. Please also notify us.