Drink Driving Insurance

Aretnap

macman wrote: »

But it's not for covering you against criminal acts knowingly committed while driving.

Speeding? Using a mobile phone? Pushing your way into queueing traffic?

Anyway, in spite of the general view that drink driving is the most wicked and deliberate thing you can do short of eating babies, plenty of people manage to do it inadvertently, by driving too soon after they've had a drink, or not realising they're over the limit the next morning. Stupid and careless perhaps, but no more deliberate than the things I've suggested above, and less deliberate than some of them - it's impossible to use a mobile phone accidentally, for example.

Jack_Regan

Aretnap wrote: »

Speeding? Using a mobile phone? Pushing your way into queueing traffic?

Anyway, in spite of the general view that drink driving is the most wicked and deliberate thing you can do short of eating babies, plenty of people manage to do it inadvertently, by driving too soon after they've had a drink, or not realising they're over the limit the next morning. Stupid and careless perhaps, but no more deliberate than the things I've suggested above, and less deliberate than some of them - it's impossible to use a mobile phone accidentally, for example.

How do you inadvertently drive?

shaun_from_Africa

it's impossible to use a mobile phone accidentally, for example.

But in certain circumstance, it is possible to legally use a mobile phone whilst driving in the UK, but there are no exemptions for knowingly driving whilst over the limit. Could this be because the government and their medical experts all agree that the latter is far more dangerous than the former?

If I could be bothered I would see if I could find the figures that show the percentage of UK road deaths caused due to someone speaking on a mobile phone, and I would put money on the result showing that mobile phone use is far less likely to end up in a death than drink driving.

arcon5

steve1500 wrote: »

I am not defending her actions.

I was expecting a few reactions re the D &D this could just as easily have been someone using their mobile phone.

What I was hoping for was a few constructive answers NOT "I hope they bleed her dry"

She is 21 & the insurance is with Admiral

Re the comments & take her for every penny - very simple go bankrupt!!!!

Going down this route still opens up a can of worms and certainly isn't a get out clause. There are risks of having income protection orders/agreements put in place to take her disposable income for up to 36 months. She can loose any savings, trust funds, valuable assets including a car taken from her. She will be placed under a restriction under hindering her ability to setup in business and take out further credit. As well as the obvious that she will be held back for years to come from things like hire purchase and mortgages as they will ask if shes ever been BR. Banks don't even give BRs current accounts, she'd be stuck with a cash card account and won't even be allowed internet banking until discharge.
It may prevent her from entering certain types of employment as well.

Even if the payout came to £12k for example, for this sort of money it's not even worth going BR.

GwylimT

Aretnap wrote: »

Speeding? Using a mobile phone? Pushing your way into queueing traffic?

Anyway, in spite of the general view that drink driving is the most wicked and deliberate thing you can do short of eating babies, plenty of people manage to do it inadvertently, by driving too soon after they've had a drink, or not realising they're over the limit the next morning. Stupid and careless perhaps, but no more deliberate than the things I've suggested above, and less deliberate than some of them - it's impossible to use a mobile phone accidentally, for example.

How is drinking alcohol and then driving not a deliberate act? You don't accidentally drink drive.

Yolina

But you could unknowingly be just above the limit - drink driving doesn't necessarily mean you're p1ssed out of your skull behind the wheel.

The limit in the UK is higher that most (all?) other EU countries so whilst you could legally drive here with let's say a level of 0.6, you would get in trouble for it in France.

Personally I go with if I'm driving then I don't have any alcohol at all.

George_Michael

But you could unknowingly be just above the limit

If you don't know what your drinking limit is, then people shouldn't drink.

The limit in the UK is higher that most (all?) other EU countries so whilst you could legally drive here with let's say a level of 0.6, you would get in trouble for it in France.

And your point is?

Is Most states in the USA you can legally own a gun (and carry it in public in many of them) so should the same be allowed here? and in many EU countries the legal age of sexual consent is 14 so should anyone who has sex with a 14 year old in the UK be let off because it's legal elsewhere?

Ignorance of the law isn't a defence.

Yolina

I'm pretty sure that the majority of people don't know *exactly* how much of what they can drink and still stay below the legal limit, unless they have a breathalyser with them and can check. And yes it's no excuse but it's unfortunately the reality.

As I've already said, my approach has always been no alcohol at all if I'm going to be driving - just seems to me as the most sensible thing to do. There is absolutely no doubt that way.

And my point was that if you were breathalysed in the UK at 0.6, no-one would bat an eyelid, but in France that same amount would see a forum going for your blood.

I want to make clear that I absolutely do no condone drink-driving, or using a hand-held phone when driving for that matter, for me one is just as bad as the other. I just find it a bit strange how one seems to be seen as the absolute most evil thing but not the other. That's all

Avoriaz

Jack_Regan wrote: »

How do you inadvertently drive?

Quite easily in some cases.

A New Zealand woman drove for hundreds of kilometres (miles) while asleep at the wheel, sending texts from her mobile phone along the way, police said Wednesday.


Police said they received an emergency call just after midnight Wednesday from a friend concerned the woman had gone out in her car after taking sleeping medication.


Told that the woman had been sleep-driving 10 months previously and had a fondness for the beach, police ordered patrol cars to keep a lookout for her silver hatchback and began tracking her via her mobile phone.

shaun_from_Africa

Quite easily in some cases.

Quite easily provided that you are stupid enough to knowingly take sleeping tablets before getting in your car.