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What is ChauffeurPlan?
ChauffeurPlan is a specialist driving licence insurance policy
for motorists who need to stay on the road and in the driving seat.
It provides vital financial assistance, allowing you
to continue with independent travel should you lose the use of your
car through disqualification, personal injury, a car accident, theft
or vandalism.
How long has ChauffeurPlan been around for?
ChauffeurPlan has been keeping drivers motoring in the UK since
1971.
Who Underwrites ChauffeurPlan?
Every ChauffeurPlan policy is underwritten by
Isle of Man
Assurance Limited (“IOMA"), IOMA House, Hope Street, Douglas,
Isle of Man, IM1 1AP. IOMA is authorised by the Isle of Man
Government Insurance and Pensions Authority.
Who is eligible for ChauffeurPlan cover?
Applicants must be aged 21 or over and hold and have held a
current, valid, full UK driving licence for a period of at least 2
years. In order to be covered for totting up disqualification
benefits you must have no more than 7 points on your licence actual,
possible and/or pending when you apply. However, when the penalty
points are down to 7 points with no prosecutions possible or pending
you will then automatically be covered against disqualification
following the totting up of future penalty points.
Does your driving licence insurance cover only apply to the UK?
Injury cover is worldwide while car hire and emergency travel benefits apply
throughout Europe. Disqualification benefits only apply for UK
driving convictions.
If I have previous driving convictions will this affect my
cover?
No. Provided that you have 7 or less points on your licence
actual, possible and/or pending, when you apply you will be eligible
for full ChauffeurPlan cover.
Are there any exclusions or excesses under the policy?
All exclusions and excesses are detailed in the
policy wording, a copy of which is freely available. However the
main exclusions include:
Loss of Licence: disqualification as a direct
result of drink or drug related offences or for dangerous,
careless, reckless or inconsiderate driving.
Car Hire: fire, mechanical fault and breakdown.
Injury: medical conditions or illness.
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How much does ChauffeurPlan cost?
There are four levels of driving licence insurance cover to
choose from starting from as little as £8.16 a month. You can choose
the policy that suits your budget and lifestyle. Full details of all
our premiums can be found on our premiums page.
Do you offer any discounts?
There are various discounts
available to ChauffeurPlan clients. We offer a 50% discount for
your spouse or partner when they are added to a policy on full
cover. We also offer a wide range of special discounts for group
cover starting with a 10% discount for a policy with 3 or more
members on full cover. We also offer a 5% discount when you take out
a policy online.
What methods of payment are acceptable to Isle of Man Assurance
Limited?
You can pay for your ChauffeurPlan driving licence
insurance policy by direct debit, credit card or cheque. If you
choose to take out a ChauffeurPlan policy online you
can pay your annual premium (we are unable to offer the facility to
pay monthly online at this time) either by credit or debit card.
When is payment required?
Payment is required at the outset of arranging cover.
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How quickly can I arrange cover?
You can arrange your driving licence insurance cover straight
away either by applying online or downloading an
application form. Cover for applicants
using written application forms will commence on the next working
day from receipt of your application by Isle of Man Assurance
Limited.
Cover may not be backdated.
When should I expect to receive documentation?
Your driving licence insurance policy documents will be issued
within 2 working days of acceptance of your application. These include a summary of cover, together with a
schedule, Keyfacts about your cover, a demands and
needs statement, our terms and conditions and a customer assistance
helpline card.
Is there a cooling off period?
If in the unlikely event of you not receiving the information
regarding your policy prior to you making a decision to buy it, you
have a 14-day period, commencing when you receive your documents, in
which to cancel your cover within this period and get all of your
money back (as long as you have not made a claim).
What happens at renewal time?
You will receive a renewal notice, including a summary of cover
and an invoice, at least 21 days prior to renewal. Unless you advise
us otherwise in writing, we will automatically renew policies paid
for by direct debit, credit card or standing order.
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What do I do in the event of a claim?
Contact our claims helpline on 0800 756 6305 or write to us at:
Isle of Man Assurance Ltd
IOMA House
Hope Street
Douglas
Isle of Man
IM1 1AP
You will need to notify our claims advisors immediately of:
A. The type of claim.
B. The date and time of the incident / accident.
C. Details of the incident / accident.
A claim form will then be sent to you within 2 working days. This
should be completed and returned to us as soon as possible, together
with the appropriate documentation, as highlighted on the form and
all relevant receipts and invoices.
How quickly are claims settled?
Most claims are settled within 7 working days.
What happens if I am injured and can't drive?
Depending on the level of cover you can claim up to £300 a week
to pay for alternative travel costs. There is a 7-day excess on all
injury claims and benefits are paid for a maximum period of 1 year
from the date of injury. We will require a doctor's letter
confirming the nature of the injury and how long you are likely to
be off the road.
If I am disqualified what can I claim for?
We will cover the cost of independent travel during the period of
a ban and for up to 12 months following the date of disqualification
for speeding or under the totting up rule. We will also cover the
first £100 of any legal fees when defending a disqualification
charge, which could lead to a claim.
If I need to hire a car what will ChauffeurPlan pay for?
ChauffeurPlan will reimburse your car hire costs for up to 28
days should your car be stolen, vandalised or involved in an
accident. Insurance, petrol and CDW are not included. There is a 2
day excess on all car hire claims.
Can I choose anyone to drive as a chauffeur?
Yes, subject to approval from Isle of Man Assurance Limited, you may
nominate anyone to act as a chauffeur. You are not obliged to choose
a professional chauffeur - it may be a partner, family member or
work colleague.
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What should I do in the event of a complaint?
If you have a complaint regarding the service received from
ChauffeurPlan this should be addressed, preferably in
writing, to:
The Compliance Director
Isle of Man Assurance Ltd
IOMA House
Hope Street
Douglas
Isle of Man
IM1 1AP
If you cannot settle your complaint with us, you may be entitled
to refer it to:
Isle of Man Financial Services Ombudsman
Isle of Man Office of Fair Trading
Government Buildings
Lord Street
Douglas
Isle of Man
IM1 1LE
If you would like to share
some motoring statistics, please contact us.
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The ChauffeurPlan Policy is underwritten by Isle
of Man Assurance Limited, IOMA House, Hope Street, Douglas,
Isle of Man, authorised and regulated by the Financial
Services Authority for the conduct of UK business (FSA Firm
Reference No. 142307). Isle of Man Assurance Limited is permitted to
conduct business with the UK, it is not authorised to carry on
business in the UK which means that the management and solvency are
not supervised by the Financial Services Authority and you will not
be protected by the Financial Services Compensation Scheme if the
Insurer is unable to meet its liabilities to you. Isle of Man
Assurance Limited is a member of the International Underwriters
Association. If you have a complaint regarding the service received
from IOMA, please contact the Compliance Department. Complaints that
cannot be settled can be referred to the Financial Services
Ombudsman Scheme for the Isle of Man. Copies of IOMA's internal
complaints handling procedures are available on request.
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