If you were asked to list your most highly prized possession, it's likely your driving licence wouldn't make the top 10. Yet, when you consider all that it enables you to do, it might be worth a little reconsideration.
Having a driving licence affords a level of independence and freedom that previous to, would not have been possible. Whether it's popping to the shops at a moment's notice or not having to rely on train times to dictate your daily plans, it's safe to say that your little pink card makes life a whole lot easier. So what are you doing to protect it?
With life's everyday demands and stricter sanctions on speed limits, it can be all too easy to tot-up points on your licence. These can, in turn, lead to a driving ban. According to the Institute of Advanced Motoring (IAM), in 2013 in the UK, 92,136 motorists
were disqualified from driving. This emphasises that licence loss is very much a reality and something that we should all consider insuring.If you were at risk of losing your licence how would you cope?
The legal fees involved in a motor prosecution defence can be eye-wateringly expensive, not to mention stressful. And if you were disqualified as a result, adapting to your new circumstances can be difficult. Without the freedom to drive away at a moment's notice, you'd have to rely on taxis and public transport to get from A to B. In time, the daily cost of travel can really mount up, an added expense you could do without.
The great news is that there are many insurance products out there specifically designed to give disqualified drivers a helping hand. Some insurers for example, offer a disqualification benefit. Typically these provide monthly instalments to the insured during their disqualified period. This benefit can be used to finance alternative transportation costs, providing a clever way to combat post-ban, bank-balance woes.
Often, these policies also include much more than just a disqualification benefit, also offering services such as motor prosecution defence to try to prevent your disqualification. Always in the hands of a trained professional, motor prosecution defence provides another way to save money by side-stepping unexpected legal costs. As a result, this can help evade or at least reduce the effects of your prosecution.
At the very least, insuring your driving licence can help ensure that regardless of whatever lies in the road ahead, life can drive on smoothly.
Institute of Advanced Motoring (IAM) 2013 statistic retrieved here
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