Driving Licence Insurance - FAQs
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The ProductWhat is Chauffeurplan?Chauffeurplan is a specialist driving licence insurance scheme for motorists who need to stay on the road and in the driving seat. It provides vital practical and 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 and Pensions Authority. Is anyone 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?The car hire, injury 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:
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The PremiumsHow much does Chauffeurplan cost?There are four levels of driving licence insurance cover to choose from starting from as little as £7.15 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 Longford Insurance Schemes?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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The PaperworkHow quickly can I arrange cover?You can arrange your driving licence insurance cover straight away either by applying online, downloading an application form or you can call our sales office on 0800 24 24 20 with your credit card or direct debit details. In order to confirm your cover we will require authorisation from our underwriters. Your policy will therefore start on the next working day following submission of your application. Cover for applicants using written application forms will commence on the next working day from receipt of your application by Longford Insurance Schemes. Cover may not be backdated. When should I expect to receive documentation?Your driving licence insurance policy documents will be issued within 48 hours of our receiving authorisation from our underwriters. These include a summary of cover, together with an insurance certificate, 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. Insurance documents and customer assistance helpline cards will be issued on receipt of payment. |
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The Claims ProcessWhat do I do in the event of a claim?Contact our claims helpline on 0800 39 39 37 or write to us at:
A claim form will then be sent to you within 48 hours. 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 Longford Insurance Schemes, 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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The Complaints ProcedureWhat should I do in the event of a complaint?If you have a complaint regarding the service received from Longford Insurance Schemes this should be addressed, preferably in writing, to:
If you cannot settle your complaint with us, you may be entitled to refer it to:
If you would like to share some motoring statistics, please contact us. |
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The Chauffeurplan Scheme 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.
