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Yes. An insurance contract is one of “utmost good faith”.
Your insurers rely upon you to keep them appraised on any changes in your situation during the course of the policy.
If you fail to notify them of any development they could refuse to honour the policy. |
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In most cases it will result in an increase in the premium, dependant upon the offence and the number of penalty points. |
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As soon as your driving licence is suspended you will be in breach of your insurance conditions, namely that in order to use your vehicle you hold a valid licence.
If you want to continue to insure your car for theft or fight losses you should ask your insurers to alter your policy for the duration of the driving disqualification.
Remember that if you want to keep the car on the road you will need to have a minimum of third party cover. |
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| Yes. It is always worth checking the small print.
Many policies provide for compensation if you are without a vehicle or will pay for alternative transport for the duration of the driving disqualification. |
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| No, but it is possible that some insurers will refuse the risk whilst others will load the premium. |
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| Yes.
Some road traffic policies will pay for representation or specific allegations.
Alternatively, there are policies available to cover against the cost of lawyers fees but you should check that it covers everything and doesn't simply provide you with a discount.
Likewise, you can insure against losing your licence and there are policies on the market that will provide a
chauffeur should you lose your licence. |
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