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Do you need a breathalyser to Drive in France?

Three million Brits cross the English Channel into France every year. If they fail to carry a breathalyser inside their vehicle, they will be breaking the law.

However, due to the law and problems with internal supply of breathalysers for all French motorists, the government have been unable to start issuing fines.

The bottom line is that it is illegal not to have a breathalyser whilst driving in France, but there is no fine or endorsement.

This infographic from Drive-France.com gives a handy checklist if you are planning on a trip across the Channel this year.

A Visual checklist for items required by law if living in France

Also, make sure your sat-nav can deactivate its speed camera warnings because using a traffic camera detector can land you a fine for over £1000. Take the time to cover your back and enjoy the road trip worry-free.

While in France, British drivers must display GB license plates on their vehicle and ensure their headlights are adjusted for driving on the right side of the road.

How to get your licence back after a conviction

A number of reports in the news lately have shown that some drivers are mistakenly getting back behind the wheel because they think their disqualification has ended, they have been punished severely for their blunder.

The penalties for drink driving itself are certainly plentiful – including a possible 3 month imprisonment, £2,500 fine and a driving ban imposed on top, andthat’s only for being in charge of the vehicle.

If you are caught actually driving or attempting to drive then you can double the prison term, the fine and your ban could last at least a year – and it’s the same if you refuse to provide a specimen of breath, blood or urine. Therefore, being caught driving before your disqualification term is up has serious repercussions.

However, there are a number of steps you need to follow to ensure you get your licence back as soon as you are eligible. Quote Me Today are insurance brokers who specialise in competitive insurance for drivers that have been disqualified, they advise that firstly it is important to understand whether you are classed as what is called a High Risk Offender (HRO), Courts do not automatically tell you this and the process differs for you, you’ll only get your licence back if you pass a medical examination.

You will fall into the HRO category if any of the following apply to you:

At the time of disqualification, the level of alcohol was equal to or more than:

  • 87.5 microgrammes per 100 millilitres of breath;
  • 200 milligrammes per 100 millilitres of blood; or,
  • 267.5 milligrammes per 100 millilitres of urine.

Or

  • You have been disqualified twice within 10 years
  • You have been disqualified for refusing to or failing to provide a breath, blood or urine sample.
  • The process to regain your licence

For HRO:

  • You will be sent a form 90 days before your disqualification ends
  • You will need to undergo a medical examination to determine when you are considered medically fit to drive again, which will involve the following:
  • A questionnaire about your medical history and alcohol consumption
  • A physical examination
  • Urine and blood tests
  • You will need to pay the doctor for your medical examination and you will also have to pay a fee for your driving licence. You can find out about fees at www.direct.gov.uk/drivingwww.direct.gov.uk/driving.
  • You may wish to consider going on a drink-drive rehabilitation course which reduces the disqualification period, allowing you to apply for a licence sooner.

It is important to remember that if the medical finds evidence of either persistent alcohol abuse within the last 6 months or dependency within the last 12 months, as well as current misuse or dependency, you will not be able to get your licence back.

For non HRO:

  • You will be sent a licence application form 56 days before your disqualification ends

If you do not receive this, then you can order the D1 form from www.direct.gov.uk/motoringformswww.direct.gov.uk/motoringforms or from post offices.
It is important to remember that if you receive your licence back before your disqualification ends, you will not be able to drive until this has finished. Quote Me Today also point out that it is worth noting if you are disqualified again in the next 10 years, you will automatically fall into the HRO category.

Quote Me Today a broker specialising in Disqualified Driver Insurance, commented: ‘When losing your licence, particularly being in the HRO category, means that your insurance is likely to increase significantly. Not having a valid licence will also invalidate your insurance. It is therefore important that you take the right steps to ensure you only get behind the wheel of a car again when you are completely sure your ban has ended. There are other factors you need to consider, such as your employer being able to see your conviction on your licence, and you may have difficulty travelling to certain countries, such as the USA. So anything you can do to reduce your ban, such as a a rehabilitation course is always worth considering.’

For more information on driving safely and best chance of reducing your insurance following a disqualification, visit www.quotemetoday.co.uk. They can also provide advice in other areas, that might apply to you, such as goods in transit insurance if you will be driving for work.

 

You can find out more at www.gov.uk

Professional Indemnity Insurance and Quality Risk Management is Essential for SMEs

Gaining a competitive advantage can remain the major focus for SME professionals who protect themselves appropriately. Risk management can save a business a lot of hassle and finance, whereas professional indemnity (PI) cover can cushion the blow of the sometimes unavoidable issues.

Health and safety protocol, regular inspections, training programmes for staff€“ risk management can seem like a complex process. All managers need to consider risk management as a fundamental component to the day to day running of their business. If it is neglected, insurance premiums can rise and employers can be held liable for all kinds of claims€“ claims which are on the rise anyway.

The Insurance Times recommend brokers’€™ assistance can help when placing cover. Brokers have experience in dealing with multiple organisations and therefore also have the ability to level SME risk management against similar, or even larger, companies.

Service providing organisations can only control so much of their business though and professional indemnity insurance can protect them from claims of negligence against their duty. A lot of these claims can be false but with the right cover, SMEs can stay focused on their business objective, rather than sparing more time and budget than they need to, going through the legalities of a claim.

If a customer or client believes they have incurred a loss or damage due to the negligence of another party, they are within their rights to claim. PI insurance should protect the accused, whether they are guilty of negligence or not, for any losses up to the settled insurance amount.

However, some policies come with limited cover and expensive excess payments. The positive side is that brokers are experts in the field of pi insurance and can take a bespoke order from a SME and find the right insurance package to match requests exactly.

Different SMEs will have different vulnerabilities when it comes to legal action against them. Brokers specialise in finding heavily armoured PI insurance policies for all types of ventures, making it very difficult for plaintiffs to penetrate. Should an accuser make a legitimate claim, the broker-sourced policy will cover the legal expenses and save professionals from sacrificing their whole operation to deal with unfortunate incidents.

If you work with cars you should have strong motor trade insurance whatever your business

With so many different insurance policies on the market today it can sometimes be a bit confusing as to what insurance you should really have if you own a business. However, there is one certainty that anyone who owns a business which involves working with cars should ensure that they have effective motor trade insurance. Many people may think that motor trade insurance only extends to those involved in the trade of cars where they sell and buy vehicles. However, these are not the only businesses that should have motor trade insurance as anyone who works with or repairs cars should also ensure they are protected.

If you own a car mechanic service then you should check if you are covered for motor trade insurance. Simply having business insurance may not be enough to fully protect your company and the cars that you work on. Motor trade insurance is different to business insurance as it incorporates cover that is specific to business in the motor trade industry including everything from breakdown cover to insuring a variety of different cars. Those working in MOT test centres should have very effective motor trade insurance to protect the various vehicles that they test every day.

Another key element to consider is insuring you choose motor trade insurance that also includes cover for theft. If you own a car mechanics then overnight you may have expensive and valuable tools and materials left in the premises, if your current motor trade insurance does not cover thefts than you may find yourself at a great financial loss should anyone break in and steal anything from your business. That is why it is important to make sure you take a specialist approach to your motor trade insurance, as this allows you to select your main requirements from the policy.

An added benefit of following a specialist approach to your motor trade insurance is that you can also remove any unnecessary extras that you do not require. So while an MOT test centre may select theft cover, they may rather choose to remove cover for a personal car. Removing any unnecessary extras from your insurance policy is also a great way of cutting down the overall cost of your insurance so in the end you are left with comprehensive cover that matches your business’ requirements but at an affordable cost.

For a Bespoke Professional Indemnity Plan, Seek PI insurance Quotes From a Specialist Broker

For any company working and trading in either the public or private sector, having clients who could at any time turn around and claim that they are dissatisfied with the work you have done for them is a very realistic threat.
Whether it is disputed that the quality of the work carried out wasn’t good enough, or your team of employees are accused of being negligent in some way; no matter what the reason, your business could be held responsible for either not providing a service that was agreed or not providing it well enough, for example.
However, PI insurance quotes could prevent you from having to pay substantial compensation to a disgruntled client or customer. PI Insurance or Professional Indemnity insurance is what is in place to protect businesses from paying out large chunks of money for compensation out of their own pocket.
Obviously, the customer would need to find that their claim made against you for liability was successful before they would be eligible for some form of compensation, and hopefully it won’€™t come to that. However, in the incident that your business was found to be liable for some form of negligence on the part of your customer, then you could face a hefty loss.
PI Insurance quotes can be sourced either from going away yourself and looking at insurers or preferably seeking the advice of an experienced specialist PI Insurance broker. A broker will have many years of experience working in the industry and therefore have excellent negotiation skills, but also a great depth of understanding on the subject and thus an authoritative position on the risks facing particular types of businesses.
Having a specialist Professional Indemnity insurance broker on your side will pay off in dividends for you. As someone who can talk the talk with the insurance companies, they will be able to match your individual requirements to the right insurance policy as well as getting the cheapest PI Insurance quotes.
Another advantage of having a professional broker on hand is the fact that they can sometimes also specifically tailor an insurance policy to your needs. So if you’re worried that your cover won’€™t protect you in a certain situation, you can air this concern to your broker and they can then go off and create a bespoke policy for you, rather than you having to worry about generic cover not offering the right level of cover for your circumstances.

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