We’ll apply an additional premium for Life Cover for any of your clients who answer ‘yes’ to the following:
- Have you been banned from driving or convicted of careless driving in the last 5 years?
- Have you ridden a motorcycle or scooter on the road in the last 12 months?
The additional premium reflects the increased accident risk as:
- Around 14% of all deaths in reported road traffic accidents in 2013 involved at least one driver over the drink driver limit*
- In 2014, motor cycles represented approximately 1% of total road traffic but account for approximately 19% of all road deaths*.
Further information can be found on the Department for Transport website*.