My Licence Protection – Income and Accident Insurance Cover
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My Licence Protection

Designed for people who rely on their motor vehicle for their livelihood

INCOME PROTECTION

Provides you with replacement earnings up to 65% of occupational income, subject to a maximum salary dependent on level of cover chosen, due to an inability to drive as a result of an accident, injury or disqualification through the totting up of penalty points

ACCIDENTAL DEATH BENEFIT

A capital sum of £10,000 in the event of your accidental death to help those who are close to you when they need it most

ALTERNATIVE TRANSPORT COSTS

Reimbursement for alternative transport costs up to £10,000 a year to assist you to get to where you need to be

LEGAL COSTS

Cover to pay Magistrates' Court fees up to £500 in the case of a successful appeal against a suspension of a licence

What is the right cover for you?

The only difference you may need to consider is your annual earnings and cover for alternative transport costs

Bronze
49p
DAILY
£15 Per Month (inclusive of IPT)*
65% of Income*** protected
£25,000 (Max Income)
Accidental Death Benefit
£10,000
Transport Costs**
£5,000
Legal Costs
£500
GET PROTECTED
Silver
65p
DAILY
£20 Per Month (inclusive of IPT)*
65% of Income*** protected
£50,000 (Max Income)
Accidental Death Benefit
£10,000
Transport Costs** 
£7,500
Legal Costs
£500
GET PROTECTED
Gold
£1.15
DAILY
£35 Per Month (inclusive of IPT)*
65% of Income*** protected
£100,000 (Max Income)
Accidental Death Benefit
£10,000
Transport Costs**
£10,000
Legal Costs
£500
GET PROTECTED

* Premiums include 12% Insurance Premium Tax (2019-2020). 

** Per Year.

*** Occupational Income

Terms and Conditions

  • Protection for up to 65% of occupational income (dependent upon the level of cover chosen, up to a maximum income of £100,000),
  • Accidental Death Benefit of £10,000,
  • Alternative Transport Costs up to £10,000 a year, subject to a maximum of £1,000 in any calendar month,
  • Legal Cost up to £500 in the case of a successful appeal,
  • 12 months cover which may be renewed,
  • If you stop paying your policy premiums the cover will cease,
  • My Licence Protection is underwritten by Hiscox, an award-winning specialist insurer and covered by the Financial Service Compensation Scheme (FSCS).

To apply you must be:

  • Aged 21 or over and under 62 years old
  • Have held a full driving licence for a minimum of two years
  • You must have no more than 8 penalty points at the time of applying.

Insurance Product Information Document

This document is a summary of the benefits included, exclusions, restrictions, areas of cover, how your policy is paid and your rights and obligations.

My Licence Protect

Covers the cost of alternative transport if you lose your driving licence through the totting up of penalty points or a court order

ADD ON TO YOUR COVER

My Licence Protect can operate as an add-on to your existing motor-related insurance policies

ALTERNATIVE TRANSPORT COSTS

Reimbursement for alternative transport costs up to £10,000 a year, subject to a maximum of £1,000 in any calendar month (i.e. Planes, Trains and Automobiles) to assist you to get to where you need to be

What is the right cover for you?

The only difference you may need to consider is your cover for alternative transport costs

Bronze
9p
DAILY
£3 Per Month (inclusive of IPT)*
Transport Costs** 
£5,000
GET PROTECTED
Silver
13p
DAILY
£4 Per Month (inclusive of IPT)*
Transport Costs**
£7,500
GET PROTECTED
Gold
16p
DAILY
£5 Per Month (inclusive of IPT)*
Transport Costs**
£10,000
GET PROTECTED

* Premiums include 12% Insurance Premium Tax (2019-2020)

** Per Year.

Terms and Conditions

  • Alternative Transport Costs up to £10,000 a year, subject to a maximum of £1,000 in any calendar month,

  • 12 months cover which may be renewed,
  • if policy premiums are stopped the cover will cease,

  • My Licence Protection is underwritten by Hiscox, an award-winning specialist insurer and covered by the Financial Service Compensation Scheme (FSCS).

To apply you must be:

  • Aged 21 or over and under 75 years old
  • Have held a full driving licence for a minimum of two years
  • you must have no more than 8 penalty points at the time of applying

Insurance Product Information Document

This document is a summary of the benefits included, exclusions, restrictions, areas of cover, how your policy is paid and your rights and obligations.

Loyalty Programme

– Something made for you! –

 

We have partnered up with a wide variety of different retailers to offer you free exclusive discounts when you purchase a policy with us.

Working together with our like-minded loyalty partners – we wanted to give our clients the ability to enjoy their lifestyle to the fullest whether they have lost their licence or not, with these great offers!

Did you know?

Almost 50 Million

active driving licences in the UK

Reference DVLA 

124,469 People

in the UK were disqualified from driving in the year 2017/2018

DVLA Freedom of Information Request

2.8 Million People

in the UK have 1 or more penalty points on their driving licence

Reference DVLA

3.9 Billion Working Days Lost

due to non-fatal workplace injuries according to self reported estimates from the Labour Force Survey in 2017/18

Health and safety at work Summary statistics for Great Britain 2018

SPEEDING FINE CALCULATOR

Calculate how much you will pay for your next speeding ticket if you go over the speed limit

CALCULATE HERE

£5.2 Billion 

annual costs of workplace injury in just one year

Health and safety at work Summary statistics for Great Britain 2018

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