Insurance Quiz

Can you have multiple permitted drivers insured to drive the same vehicle?

• Yes

• No

Answer explanation

Insurance policies can list one or more permitted drivers. Some examples are:

- Policy Holder Only

- Insured and Spouse

- List of Named Drivers

- Any driver

What classification of cover does 'S D P' stand for?

• Social, Domestic & Pleasure

• Standard, Domestic & Pleasure

• Standard, Domestic & Private

• Snape, Dumbledore & Pomfrey

Does 'SDP+ Commuting' cover you for multiple places of work?

• No, it doesn't cover your place of work at all

• No, it only covers you for one place of work

• Yes, it covers multiple work locations

If you choose the incorrect insurance cover, could this lead to a criminal conviction?

• Yes

• No

Answer explanation

If you’re in the Social, Domestic and Pleasure class but you actually use your car to commute to work and back, you’ll be driving uninsured in the eyes of the law. Not only could this invalidate your policy, it might also lead to a criminal conviction.

Which classification of insurance cover would a Driving Instructor most likely require?

• Commercial

• Personal Business Use

• Social, Domestic and Pleasure

• Social, Domestic, Pleasure and Commuting

Answer explanation

Personal business use only covers what's known as 'Commercial Travelling' (where you need to travel to multiple places for work). This excludes driving for hire and reward.

Are all car insurance companies registered with Experian and their Motor Insurance Database (MID)?

• Yes

• No

If an MOT has expired, could it invalidate the insurance policy attached to that vehicle?

• Yes

• No

• Potentially, it depends on the insurance policy.

Can a policy holder be excluded from the list of permitted drivers that are able to drive the vehicle?

• Yes

• No

What are the penalties for driving without insurance? Tick all that apply.

• Fines

• Seizure of the vehicle

• Points on licence

• Driving Disqualification

When is insurance not needed or required? Tick all that apply.

• Vehicle has been declared off road (SORN)

• When driving a vehicle on a test drive

• Notification the vehicle has been scrapped, stolen or exported

• Vehicle is only driven on private land that doesn't have public access

• Vehicle is parked on a road but is not used