Licence Withdrawal Insurance: Why should you take out one as soon as possible?
Imagine that, due to an oversight, you accumulate infractions and you lose your licence. Not only do you stop driving, but your day-to-day life could be seriously affected. Now, imagine that you have financial and legal assistance from the very first moment. That's the peace of mind offered by Licence Withdrawal Insurance.
What is licence withdrawal insurance?
A Licence Withdrawal Insurance is a specific policy that protects you financially and gives you legal advice if you temporarily or permanently lose your driving licence. It has become a highly recommended cover, especially for those who depend on the car for work or who travel on the road on a daily basis.
At The Insurance Web we advise you to choose the policy that best suits your profile as a driver, whether you are a professional or a private individual.
Is it compulsory to have this insurance?
No, this type of insurance is not compulsory. However, with increasing controls and penalties, it is becoming more and more common to be confronted with the loss of licence points. And when that happens, the financial effort to recover them can be significant. That is why, although it is not mandatory, it is highly recommended.
Especially if you drive regularly or use several vehicles, this insurance becomes a key back-up against legal and financial contingencies.
Why do I need licence withdrawal insurance?
Today more than ever, penalties for offences are not limited to simple fines. Many of them also entail the withdrawal of points or even the suspension of the driving licence. This means:
- Stop driving for a period of time.
- Not being able to work if you are dependent on a car.
- Additional costs for recovering the licence or points.
Faced with this situation, the licence withdrawal insurance contribute valuable peace of mind at low cost. They cover you during the withdrawal period and, in many cases, they include legal assistance and telephone counselling.
Don't risk your licence, or your peace of mind.
Take out your licence withdrawal insurance now and protect yourself against fines, penalties and loss of points.
What does this type of insurance cover?
Although each company has its own conditions, these are some of the usual coverages:
Monthly allowance
If you lose your licence, many policies will offer you monthly financial assistance during the time you are unable to drive. This allowance can be extended for up to 24 months, depending on the contract.
Costs to recover points
Some insurers include the costs to recover part of the lost points or to obtain a new licence if there has been a total loss.
Legal defence
One of the most important advantages is that you will have legal cover for driverswhich includes:
- Drafting of allegations and appeals in administrative proceedings.
- Defence in the contentious court.
- Assistance for offences such as reckless driving, drink-driving or failure to provide assistance.
Telephone legal advice
You will have the support of specialised lawyers who will answer your questions about how to act in the event of loss of your licence or traffic fines.
What types of withdrawal are covered?
This type of insurance differentiates between two situations:
1. Temporary withdrawal of the licence
It is usually the result of a administrative sanction o court judgement after an accident. Insurers cover this case with monthly allowances, legal remedies and assistance until the licence is recovered.
2. Deprivation of licence for total loss of points
Occurs when all points are exhausted. Coverage is usually more extensive and includes everything from remedial courses to defence in criminal or administrative proceedings.
What to consider before hiring?
- If you share a car with another person, make sure that you the insurance covers the declared driver.
- Check whether your current car insurance already includes minimum licence withdrawal cover.
- Make sure you are covered by insurance even when driving other vehicles.
- Hire him before you lose pointsThe insurers do not offer retroactive coverage.
What if I have already lost points?
Most insurances do not cover penalties prior to the date of contracting, and furthermore can limit coverage according to the current items you have. So it is better to be safe than sorry: the sooner you take out this insurance, the better covered you will be..
Conclusion
Losing your licence is easier than it sounds, but so is protecting yourself with a good licence. licence withdrawal insurance. At The Insurance Web we help you to compare coverage and choose the most suitable option according to your needs.
Don't leave your peace of mind in the hands of chance. Contact us today and find out how to protect your licence... and your future.
Frequently Asked Questions (FAQ)
What does licence withdrawal insurance cover?
It covers financial assistance, legal defence, legal advice and, in some cases, courses to recover points.
When can I sign up?
At any time, but ideally before having lost pointsas it does not cover previous situations.
Can I have this insurance even if I am not a professional driver?
Yes, it is recommended for both private and professional drivers who depend on the vehicle.