You are correct, my bad about calling it elephant group, the correct title is the Admiral Group, which consists of: Admiral, Bell, Diamond and elephant.co.uk. If you asked people if they were with Admiral, I suspect many would say “No, I am with Diamond, I am with Elephant…..etc.” they would not recognise the connection.
Zurich insurance,Ageas, Swindon, Tesco Insurance, Trinity Lane, Royal and Sun Alliance, Go Skippy, Sabre, Liverpool Victoria (under a clause of a duty to take reasonable care of the vehicle), Calpe, Advantage and Allianz also have the same drink drive exclusion to name but (quite) a few. So that is 16 companies that I can name who exclude cover for the ‘insured ‘ vehicle in the event of drink driving.
I am not at odds with what you are saying about the need for the drink drive exclusion to be made much clearer, but the information is there, the problem is persuading people to read what they are signing up to, rather than just looking at the price.
Go Compare even highlight this possible exclusion on their website:
“4. Your insurance is invalid if you drink and drive
It depends. Your car insurance won't necessarily be invalid if you're drink driving. However, if you've been in an accident whilst driving under the influence, your insurance company could refuse to pay out for your repairs or injury claims.
Under the Road Traffic Act, insurers must meet the costs of any claim by a third party for injury or damage. Be warned though - the insurer’s entitled to claim these costs back from you.
Most insurance policies will have a drink and drug driving clause. Make sure you check your policy documents to find out what you're covered for.”
21 common car insurance myths busted so you can sort out the car insurance facts from the fiction and make sure you're not overpaying for your policy.
www.gocompare.com
As to your question about your boss…… I thought that was perfectly obvious. You single out A_Plan as a good broker, admit to working in the insurance broker industry but deny you work for A-Plan.
I know what would happen if my boss read a post from my managing director on here singling out how good Aquarius Drive (another drink drive provider) are at running courses. They may well be good at their job, but it is not for me to promote them.