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- Motoring offences
- Your Information
- 2direct Licence Assist
- Making a claim
- Cancelling your policy
- How to make a complaint
What are penalty points, endorsements and "totting up"?
Penalty points are a way of dealing with drivers who commit offences that are not serious enough to require a ban by themselves. If you accept a fixed penalty notice or are found guilty of an offence by a court, your licence will be "endorsed". The endorsement shows the type of offence, the date and the number of penalty points you received for it. The process of getting more penalty points is known as "totting up".
What is a fixed penalty notice?
A fixed penalty notice is an offer from the police to you to accept a fine and/or points on your driving licence instead of being prosecuted. You do not have to accept a fixed penalty notice, but the alternative of challenging the charge in court is risky, and may lead to you being banned from driving. If you receive 12 or more points, you will always go to court. 2direct Licence Assist does not cover challenging a fixed penalty notice, but will defend you if you are facing a ban.
How long will points stay on my licence?
Penalty points only apply for three years, although endorsements will stay on your licence for at least four years.
How many points does it take to get a ban?
Twelve points, for most drivers. New drivers, who have held a full licence for less than two years will lose their licence after six points. (Note that 2direct Licence Assist does not cover new drivers.)
How long will I be banned for?
The usual length of a totting up ban is six months. However, if you are banned for a second time within three years, you will be banned for a year. A third ban within three years will be for two years.
What is a single offence ban?
In some cases, the police will not issue a fixed penalty notice, but will prosecute you immediately. This is most common for speeding offences. If you drive more than a certain amount above the speed limit, you are at risk of a 'short period ban' of between one and eight weeks.
What happens to points at the end of a ban?
If you get a 'totting up' ban then at the end of the ban, all points are removed from your licence and you go back to zero. If you are given a single offence ban, your points will not change at the end of your ban.
What is a Speed Awareness Course?
Speed Awareness Courses are designed to discourage motorists from speeding by helping them understand its consequences. They are only offered to motorists in specified circumstances and are not offered by all police forces. If you complete a Speed Awareness Course, you will not have your licence endorsed or be fined for a speeding offence.
Where can I find more information?
Is my credit card payment secure?
Our Payment Service Provider is WorldPay (WorldPay provides a secure payment gateway processing payments for thousands of online businesses, including ours.) It is WorldPay’s utmost priority to ensure that transaction data is handled in a safe and secure way.
WorldPay uses a range of secure methods such as fraud screening and I.P address blocking. Once on the WorldPay systems, all sensitive data is secured using the same internationally recognised 256-bit encryption standards.
WorldPay is PCI DSS (Payment Card Industry Data Security Standard) compliant to the highest level and maintains regular security audits. They are also regularly audited by the banks and banking authorities to ensure that their systems are impenetrable.
WorldPay is an active member of the PCI Security Standards Council (PCI SSC) that defines card industry global regulation.
In addition, you know that your session is in a secure encrypted environment when you see https:// in the web address, and/or when you see the locked padlock symbol alongside the URL.
So when buying through our site, you can be sure that you are completely protected.
More information about shopping securely with WorldPay can be found at www.worldpay.com/shopper
Can I pay by Direct Debit?
Some of my details are wrong – what should I do?
If any of your details are wrong, or if you need to change:
- your name
- your date of birth
- the number of points on your licence
- your mileage
- your benefit amount
Should I tell you if I get more penalty points or am convicted of a motoring offence?
You don't have to tell us, unless:
a) you are convicted of any of the offences excluded by the policy
b) you receive points for an offence committed before the start of your policy
c) you are renewing your policy.
How much does it cost?
The cost of Licence Assist will depend on:
- the number of points you have on your licence
- what level of disqualification benefit you want to receive.
Our insurer, DAS
Since formation in 1975, DAS has firmly established itself as the clear leader in the legal expenses insurance market. DAS are proud to provide access to justice for millions of people and, as a result, have become one of the UK's leading non-life insurers.
DAS products are supported by a range of advice, assistance and claims management solutions. Underpinning all this is a strict adherence to quality, as demonstrated by their ISO 9001 accreditation and Investors in People status.
You can learn more about DAS here.
Insurance for people who break the law - is this legal?
Everyone is innocent until proven guilty, and even those who plead guilty are entitled to a professional defence. 2direct Licence Assist will make sure you have access to competent lawyers and are ready for the costs of defending yourself.
Driving bans are a way of punishing bad drivers and keeping them off the roads. However the effect of a ban can be very different for different people. Some will be able to easily adapt, while others will face new expenses they can't possibly cover. 2direct Licence Assist helps people prepare for these costs by choosing the level of benefit appropriate for them.
What offences do you cover?
With 2direct Licence Assist, you can get legal advice on any motoring matter. Motor prosecution and disqualification benefit cover is restricted to the following offences:
|Careless driving (except relating to drink, drugs, or causing death)||CD10-30|
|Construction and use (eg. using a vehicle with defective brakes)||CU|
|Traffic direction and signs||TS|
What offences don't you cover?
We will not cover motor prosecution defence or disqualification benefit claims for the following offences:
|Careless driving offences related to drink or drugs||CD40-70|
|Causing death by careless driving||CD80-90|
|Drink or drugs||DR|
|Theft or unauthorised taking*||UT|
*This includes theft or taking offences that do not lead to penalty points, and so do not have a code.
Our legal partners, Hunt & Coombs solicitors, will be happy to provide free advice, and will offer a discounted private fee for representation for these excluded offences.
What are those codes?
Motoring offences are identified by a two-letter, two-number code. The letters indicate the offence group, while the numbers identify the specific offence. For example, CD is the code for careless driving offences. CD10 is the code for driving without due care or attention.
I have an endorsement on my licence for one of the offences you don't cover– can I still use the policy?
Yes. We will not reject a claim if you have an excluded offence on your licence, only if you are being charged with an excluded offence.
I drive for work – am I covered?
Yes. 2direct Licence Assist covers professional drivers.
I've received a Notice of Intended Prosecution and the date of the offence it says I committed is before the start of my policy – am I covered?
We will offer you legal advice, however other sections of cover will not apply. If you receive any additional points for an offence committed before the start of your policy, you must tell us, as this may affect your policy or premium.
My policy ended last week, but I just got a Notice of Intended Prosecution that says I committed an offence two weeks ago – am I covered?
Yes. As long as the offence was committed while your policy was active, we will cover you.
Do I need to provide receipts?
My policy is due to end soon, but I made a motor prosecution defence claim and I still haven't gone to court – will you still pay for my lawyer?
Yes. If we accept a claim, we will continue to cover it even if your policy ends.
I made a disqualification benefit claim and my policy ends in the middle of my ban. Will you carry on paying my benefit?
Yes. If we accept a claim, we will continue to cover it even if your policy ends.
What is a preferred law firm?
2direct have agreements in place with what we call 'preferred law firms'. This arrangement gives you, and us, a number of advantages:
- we know that these firms give a good service and have the expertise needed to deal with your case
- preferred law firms have already signed up to our terms of agreement, so they can start work for you straightaway
- preferred law firms have agreed to the rates in our standard terms of agreement. This ensures you will not have to pay anything extra for their services
Your lawyer will always act in your best interests.
I've been given a fixed penalty notice – what should I do?
You should contact our legal helpline for advice. 2direct Licence Assist will not cover the cost of challenging a fixed penalty notice, but we will provide you with advice about what you can do.
When should I claim?
You should contact us as soon as you receive a notice of intended prosecution, or a police officer tells you that you will be prosecuted. If you're not sure what to do, telephone us on 0844 893 9002.
If you're claiming for the cost of a Speed Awareness Course, you will need to have evidence you have completed the course in order to claim.
What details do I need to claim?
- We will need to know your policy number or your name.
- For motor prosecution defence – we will need to know the date, location and type of the offence you are being charged with.
- For disqualification benefit – you may have to give us your bank account details in order for us to make payments.
- For Speed Awareness Courses – you will need to know the date of the offence and have evidence that you completed the course.
Will I get any money back if I cancel my policy?
If you cancel your policy within 14 days of taking it out, and you haven't made any claims, we will give you a full refund.
Will I get any money back if you cancel my policy?
As long as you haven't made any claims, we will refund your premium proportionately if we cancel your policy.
Can I take out a new policy at the end of my ban?
If you have a complaint about our service or about the way we have treated you, please write to our Customer Relations Department at our Oakwood House office address shown below. Alternatively you can telephone us on 01832 278856 or email us at firstname.lastname@example.org