Background

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Finanswers are an independent Financial Services Company providing St Christopher Flashguard and Driverguard driving licence insurance to individuals their spouses/partners, and Companies or Groups to keep you on the road.

When you book through Finanswers you get a 5% rebate on your first year's premium 
(returned to you when the full year's premium is paid by any method).

The facts speak for themselves, the number of people who are accumulating or are being banned from totting up offences are increasing dramatically (refer to latest Scottish office statistics here) and we are experts in the field in keeping on the road. 

Its a fact that in homes most burglar alarms are fitted after the event of a burglary, and in respect of keeping you on the road its essential that you take out insurance like ours before you get points on your licence (it's not available for example if you have more than 9 * actual or pending penalty points). *If you already have 9 penalty points current or pending at the inception of the policy, the total cover is limited to £3,000 per annum. If you have less points than 9 points at the inception of the policy you get the maximum cover for the premiums paid. 

We do not condone reckless driving, the policies are designed to keep you mobile and so that neither your family or work should suffer if you lose your licence. The Flashguard policy protects against speeding or "totting up convictions and The Driverguard policy in addition protects for personal injury that stops you being able to drive, plus car hire cost if your car is stolen or off the road due to an accident, plus it gives you an emergency fund of up to (depending on level of policy) of  £2,000 following an accident. The policies do not cover disqualification for drink or drugs related offences or those associated with dangerous or reckless driving convictions. Drivers must be 18 years or older for Flashguard and over 21 for Driverguard and must have held a driving licence for more than a year.

References
Statistical Bulletin CrJ/2005/4: Criminal Justice Series: CRIMINAL PROCEEDINGS IN SCOTTISH COURTS, 2003
Safe Speed road safety campaign