Points Guard

This policy of insurance provides cover for legal costs and expenses in respect of claims for personal injury and compensation for damage caused by a third party arising out of a road traffic accident, alternative travel expenses should you lose your driving licence as a result of the totting up procedure and legal defence costs incurred in the defence of a charge that could lead to disqualification as a result of the totting up procedure.

Significant Exclusions or Limitations
The primary exclusions and limitations under this policy are that we will not pay legal costs and / or expenses where:

Motor Uninsured Loss Recovery
Your costs relate to a claim in a small claims court.
In our opinion the claim does not have a reasonable prospect of success.
They involve any sum you are ordered to pay by way of a fine, costs, compensation or other penalty by a court in criminal proceedings.
They relate to costs incurred before we receive a claim form from you.
They arise from any deliberate and criminal act or neglect by you.

Disqualification
You were not authorised to drive the vehicle the incident occurred in
The conviction relates to drink or drugs.
At the commencement of the policy: -

• You were under 21 years of age
• You had not held a full driving licence for at least 1 year
• Your driving licence had been endorsed with more than 6 penalty points
• You have during the previous 12 months been disqualified from driving

Legal Defence Costs
The costs incurred relate to any other offence or matter other than in defence of a charge that could lead to disqualification under the totting up procedure.

Significant Features and Benefits
The main features and benefits of the policy are that:

• Motor Uninsured Loss Recovery
  We will pay up to £50,000 for your legal costs and expenses for damages and compensation that have been incurred on your behalf in pursuit of a legal claim. The costs of any claim which you may become liable to pay as a result of that claim are also covered under this section.
• Disqualification
  We will pay up to £6,000 for the insured’s alternative travel expenses incurred for a period not exceeding twelve months should the insured be temporarily prevented from driving under the totting up procedure.
• Legal Defence Cover
  We will pay up to £100 for you to defend a charge that could lead to your disqualification under the totting up procedure.

If you would like further information on any of our products please call 0800 975 9899 or visit our contact page.