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from Profile Insurance Services. 
 
 
 
Driving Without Insurance 
 
February 2017 
 
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 
 
March 2016 
 
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 
 
February 2016 
 
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 
 
January 2016 
 
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 
 
January 2016 
 
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. 
 
 
Paper Driving Licence Counterparts to be Scrapped, What it Means for You 
 
May 2015 
 
The DVLA have announced that the paper counterpart driving licence is to now be abolished from 8th June 2015. 
 
What do the changes mean for you? 
 
When you update your name or your address, or renew your licence after 8th June 2015, only a new photocard will be issued to you. 
 
Once the changes have come into effect, you should destroy your paper counterpart but you will still need to keep your current photocard. Paper driving licences issued before the photocard was introduced in 1998 will remain valid so you should still keep a hold of this, it is not to be destroyed. 
 
You’ll still be able to use the counterpart driving licence to change your details with the DVLA, although you can also do this online. You will then be issued a photocard only. 
 
 
Five Common Car Insurance Myths Unravelled 
 
March 2015 
 
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 
 
January 2015 
 
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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