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Driving Risk Factors

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*.

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Scottish Widows Limited. Registered in England and Wales No. 3196171. Registered office in the United Kingdom at 25 Gresham Street, London EC2V 7HN. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number 181655.

Scottish Widows Unit Trust Managers Limited. Registered in England and Wales No. 1629925. Registered Office in the United Kingdom at Charlton Place, Andover, Hampshire SP10 1RE. Tel: 0345 300 2244. Authorised and regulated by the Financial Conduct Authority. Financial Services Register number 122129.

HBOS Investment Fund Managers Limited, registered in England number 941082. Registered office in the United Kingdom at Trinity Road, Halifax, West Yorkshire HX1 2RG. Authorised and regulated by the Financial Conduct Authority. Financial Services Register number 119223.

Scottish Widows Bank is a trading name of Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales, no. 2065. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under number 119278.

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