Industry Leading Step

Date: 14 October 2005 Ref:54/05

Direct Line is taking the industry leading step of continuing to offer the 'Driving

Other Cars' cover as standard in its car insurance policies.

Many other insurers are removing this cover under the premise it increases uninsured
driving however Direct Line believes many motorists expect the cover to be offered
as standard and by removing it, insurers could inadvertently do the opposite and
exacerbate the uninsured driving problem.

DOC cover is provided for motorists to use other vehicles or to allow another motorist
to drive their car when they are in an emergency situation.

Emma Holyer, Motor Spokesperson ....cont/

for Direct Line commented:

“We don’t want to leave our customers stuck if they are in an emergency situation and so we will
continue to provide our customers with cover.Other insurers are saying they are removing the
cover because it increases the problem of uninsured driving and it is open to fraud by younger
motorists who want to drive high powered vehicles. However Direct Line are not prepared to
leave its law abiding customers high and dry just because of a few untrustworthy motorists. If
these specific few motorists are causing this problem insurers should think about specific
underwriting rules rather than removing the cover for all ....cont/

Bad driving habits.
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motorists.”

Direct Line is highly proactive in protecting its customers against uninsured driving,
and is the only insurer that does not penalise its customers who are hit by uninsured
drivers. Any comprehensive Direct Line policyholder who is hit by an uninsured
driver keeps their no claims discount and is not liable to any policy excess.

With any other insurer motorists have to pay their excess and lose their no claims
discount, which on average costs £550 per incident.

In addition, Direct Line supports the Durham Police in its unique scheme to cut
uninsured driving. Any uninsured drivers in the Durham force area risks having...cont/

England fans beware
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their
car impounded and subsequently crushed if they are stopped and found to be
uninsured. To get their car back the owner must pay the cost of recovery, storage plus
provide evidence of insurance within 14 days. If they fail to do this, the car will be
crushed.

One in 20 motorists are uninsured and research has shown uninsured motorists are
much more dangerous than law-abiding insured drivers. They are three times more
likely to have been convicted of driving without due care and attention, and ten times
more likely to have been convicted of drink driving than the average motorist.