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The Impact of Brexit and a 'No Deal' 
Motor Insurance - Green Cards 
If a ‘no deal’ does happen, Green Cards will be required under EU regulations as proof of insurance for those wishing to drive their vehicle to the European Union (EU), European Economic Area (EEA), Northern Ireland/Republic of Ireland, Andorra, Serbia or Switzerland after 29th March 2019. Those who travel without one may be breaking the law and could face a fine and have their vehicle impounded. 
It is important that you take a physical copy with you when you travel as digital copies are not currently acceptable. If you arrive at the border without a physical Green Card on plain green paper, you will not be allowed to drive in that country. 
Driving Without Insurance 
Driving a car without insurance is treated very seriously in the Magistrates Court because of the potential implications of you being involved in an accident. For this reason it carries a hefty penalty of 6 to 8 points on your licence, a possible discretionary ban and a fine of up to £5,000 (depending on the severity of the offence and your financial circumstances). 
Driving in the UK on a Foreign Licence 
In 2013 the law governing the exchange of non GB licences came into effect, although many still seem to be unsure of the current legislation. 
EU Licence Holders 
All driving licences issued by an EU state allow that driver to drive in any part of the EU and there is no need for them to exchange their licences. 
Licence Holders from Designated Countries 
Europe has an arrangement with a number of ‘Designated Countries'* that allow for drivers to exchange their licences for a GB one without taking any additional driving tests. This is because the DVLA recognise that the licence they hold proves that they have already met the appropriate standards to drive in this country. 
Speed Awareness Courses Explained 
If you’ve been caught speeding and want to avoid points on your licence, you may be eligible to attend a Speed Awareness Course. 
What is a Speed Awareness Course? 
The National Speed Awareness Course Scheme aims to re-educate motorists to be more mindful of their speed and the impact it can have on other road users, by encouraging them to change their attitudes towards excessive or inappropriate speed, preventing the driver from re-offending. 
Driving on Wet Roads 
Driving in heavy rain and floods can be hazardous. In fact, thousands of car accidents are caused by wet driving conditions.  
In light of the recent heavy rain, we have prepared some useful hints and tips to help you keep safe on the wet roads. 
Preventing Winter Property Damage 
General wear and tear to your home is not covered under any type of buildings insurance policy, so it’s really important that you maintain your property – whether it’s your own home or a property you are renting out. 
With the UK set to brace itself for an icy blast over the start of the new year, we’ve put together some tips to help make sure your house is frost proofed and ready for the chill. 
Five Common Car Insurance Myths Unravelled 
1. I can save money on my insurance by putting the policy in someone else’s name. 
Insurers caught on to this a long time ago and now tend to calculate the premium on the driver who is seen to be the most risky – i.e. the youngest, or one with most convictions or claims. If you don’t tell the truth you could invalidate your policy. 
Home Insurance - Making Yours Value for Money 
We all want to protect the things in our lives that mean the most to us, most importantly, our families, homes and possessions. Insurance is therefore vital in providing a financial safety net in the unfortunate event that something does go wrong. 
Home insurance is especially more of a necessity rather than a luxury these days. In fact, many mortgage lenders insist that appropriate cover is arranged prior to completion of purchase - even large financial institutions need to protect their investments. 
There tends to be a few misconceptions when looking into home insurance quotations. Our job is to not only advise you of the best cover suited to your needs, but to also ensure that we offer you the best value for money. 
These are just some of the ways we ensure you have the most suitable protection, with the confidence that this has all been offered at a competitive premium. 
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