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Almost two-thirds (63%) of drivers break the speed limit at 4am, with Sunday the most

common day of the week for speeding, new research suggests.

 

The data, obtained from the Department for Transport by price comparison site MoneySuperMarket, reveals that more than half of vehicles exceed the speed limit on a Sunday (53%), with Saturday coming in a close second (52%).

 

By comparison, drivers are most likely to abide by the law on a Wednesday, when less than half (47%) exceed the limit.

 

In terms of the time of day, motorists are most likely to exceed the speed limit during the early hours of the morning, with 63% doing so between 4am and 5am, when the roads are clearer. Conversely, between 3pm and 5pm is the time when the speed limit is most likely to be obeyed (55%).

 

Rachel Wait, consumer affairs spokesperson at MoneySuperMarket, said: “Our findings suggest that drivers are looking to take advantage of emptier roads on weekends and in the early hours, but it is important to remember that there are still major safety rules to abide by, no matter what time it is.”

 

The research also found that Yorkshire and the Humber (10%) are twice as likely to have been convicted as those in London and Northern Ireland (both 5%).

 

The study also analysed drivers’ reasons for speeding, with most saying they simply were not paying attention to their speed (42%). In addition, four in 10 drivers say they were running late (40%), while 17% did it out of habit.

 

Previous research has shown that there is a disparity in the number of drivers detected for speeding offences suggesting a postcode lottery, according to Home Office figures.

 

In 2017-18, research by the RAC Foundation revealed that 1,191 road users were caught speeding in Wiltshire compared with 199,337 in Avon and Somerset, 167 times more.

 

Analysis of the figures by Dr Adam Snow for the RAC Foundation, showed that 2,292,536 speeding offences were detected across England and Wales in 2017-18, a 4% rise on the 2,213,257 figure for the previous year (2016-17).

 

Of these detections: 44% resulted in the offender being sent on a speed awareness course; 34% attracted fixed penalty notices (FPN); 11% were later cancelled; and 10% resulted in court action.

 

Most common days for speeding

 

Day of the week		Percentage of vehicles exceeding the speed limit
Sunday		53.23%
Saturday		51.96%
Monday		47.86%
Friday		47.24%
Tuesday		47.03%
Thursday		46.91%
Wednesday		46.91%

 

By Graham Hill With Thanks To Fleet News

Drivers are being urged to be vigilant after a huge rise in the number of catalytic converters being stolen from cars.

 

Police in London say the number of thefts in the first six months of 2019 was 2,894, a 73% increase on the 1,674 stolen in the whole of 2018.

 

In Cambridgeshire, there were 61 reported thefts between June 20 and August 14, with 44 of these from Honda Jazz, Toyota Prius or Toyota Auris cars.

 

The catalytic converter is part of the car’s emissions control system and its value for recycling is the main attraction to thieves because they contain precious metals such as rhodium, platinum and palladium.

 

The price of certain precious metals have skyrocketed in the past 18 months: palladium is now worth £1,300/oz, while rhodium goes for £4,000/oz, metals merchant FJ Church and Sons told the BBC.

 

Although there are 10,000 different types of converters, the cars that are most often targeted are hybrid vehicles.

 

Since hybrid cars have two power sources – electric and petrol or diesel – the catalytic converter is used less frequently to process pollutants.

 

The metals are less likely to corrode, meaning they are worth more and therefore more attractive to thieves.

 

Cambridgeshire Constabulary advises motorists to take the following precautions:

 

Park close to fences, walls or a kerb with the exhaust being closest to the fence, wall or kerb to make theft more difficult.

Invest in a catalytic converter lock, which can be fitted retrospectively and physically locks the converter to the vehicle, thereby preventing a quick and easy removal.

If your catalytic converter is bolted on, consider having the bolts welded to make removal difficult.

Mark your catalytic converter with a marking and registration system. This will not protect against theft, but will act as a deterrent and assist in returning property.

If you park on your driveway then consider purchasing a video doorbell and/or a driveway alarm to alert you to suspicious activity.

Car manufacturers have also taken steps to protect catalytic converters from theft. Honda, for example, has fitted Accord and Jazz models from 2008 onwards with a tray under the car to make it harder for thieves to get at the catalytic converter.

 

In models from 2015 onwards, the catalytic converter has been placed within the engine bay, so a thief would need to disassemble the car to get at it.

 

Toyota has developed a Catloc device, which costs between £200 and £250 (depending on model) which makes it harder for thieves to detach the catalytic converter from the bottom of the car.

 

It has also reduced the prices of replacement catalytic converters and Catlocs to a level where Toyota GB does not make any profit from supplying them to customers.

 

Toyota’s recommended prices for a bundle that includes a new catalyst and a Catloc are £950 for Auris Hybrid, £1,000 for Prius Gen 2 and £1,050 for Prius Gen 3.

 

Its website adds: “We are urgently exploring new technical possibilities to deter criminals as well.” By Graham Hill Thanks To Fleet News

Defective brakes were the leading cause of road accidents – where a vehicle defect was a contributory factor – for the sixth year running, new figures suggest.

 

The data, from the Department for Transport (DfT), reveals that defective brakes contributed to a total of 3,894 accidents from 2013 to 2018.

 

It also revealed the highest number of fatalities due to defective brakes occurred in 2018 with 15 deaths – representing a 67% year-on-year increase compared to 2017, according to analysis by Pagid.

 

There have been 64 fatalities due to defective brakes since 2013.

 

Conversely, the overall number of road accidents and casualties, where a contributory factor was identified, have decreased by a fifth (22%) since 2013, with a 9% decrease from 2017 to 2018.

 

The second leading vehicle defect as a contributory factor, with 11% fewer accidents over the past six years was illegal, defective or underinflated tyres, which contributed to 3,449 accidents.

 

There have been 5,705 casualties in road accidents where defective brakes were a contributory factor over the last six years; 7% more than in accidents where illegal, defective or under-inflated tyres contributed.

 

Phil Woodcock, Pagid key account manager, said: “While there could be several reasons why brakes are consistently coming out as the top vehicle defect in road accidents, consumers need to be aware that worn brakes are a big problem and present a serious danger to the public.

 

“Drivers need to be able to trust their brakes in extreme situations, and although they are checked during the annual MOT, 12 months is a long time, especially if the car has received an ‘advisory notice’ that they are partially worn.

 

“It is therefore worth getting them checked in-between MOT and service intervals especially if the driver notices any warning signs such as an audible squealing sound or abnormal vibration when the brake is applied.”

 

Outside of London and the South East which had the highest proportion of reported accidents due to defective brakes, the South West had the most accidents over the past six years (2013-2018) with 442 accidents due to defective brakes.

 

The North East had the lowest number of accidents due to defective brakes, with 132 over the same period.

 

As well as defective brakes, the Government data lists five other vehicle defects in this category: illegal, defective or under-inflated tyres; defective lights or indicators; defective steering or suspension; defective or missing mirrors; and overloaded or poorly loaded vehicle or trailer.

 

There are 78 factors overall which fall into nine categories, these are: road environment contributed; vehicle defects; injudicious action; driver/rider error or reaction; impairment or distraction; behaviour or inexperience; vision affected by external factors; pedestrian only factors (casualty or uninjured); and special codes.

 

Pagid is an OE-approved braking brand of TMD Friction, which produces over one million-brake friction products across Europe every single day and invests €30m in R&D annually.

 

Every friction formulation is road tested for 300,000km with its own fleet of test cars, and 1,000 hours on a dynamometer. By Graham Hill With Thanks To Fleet News

GEM Motoring Assist has suggested the current eyesight tests for drivers are ‘long out of date’, with the road safety organisation calling for tests every 10 years.

 

Neil Worth, GEM’s road safety officer, has said the Government should update laws to ensure a detailed eye examination is part of drivers’ photocard licence renewal process, which takes place every 10 years.

 

Worth said more than 3,000 fatal and serious injury collisions occur each year because of poor vision.

 

He added: “We believe it is entirely practical and sensible to require a test of visual acuity and field of view every 10 years, something that would fit in with licence renewal.

 

“Tests of this kind would not only make our roads safer, saving lives, disability and many millions of pounds through the reduction in the number of crashes, but they would also play a vital role valuable tool in the early diagnosis of many other costly medical conditions, irrespective of driving.”

 

GEM has worked with Felicity Gill, a community optometrist, who explained that she sees patients daily who are concerned about their own driving, as well astheir friends and family members’ driving experiences.

 

The most common ageing change in the eye is cataract (clouding of the lens inside the eye), with conditions such as diabetes/diabetic eye disease, glaucoma and age-related macular degeneration also causing concern.

 

With drivers staying on the road to their 80s, GEM believes that regular eyesights should be mandatory.

 

Worth concluded: “There are many benefits for a driver to staying mobile as long as possible. However, safety must remain the number one priority for everyone.

 

“We also cannot ignore the greater volume of traffic and the general increase in distractions, both inside and outside the vehicle, which further point to the clear need for more regular and detailed eyesight testing.”  By Graham Hill & Fleet News

Company fleet managers have been praised for educating drivers around the use of AdBlue, but the AA says education of all drivers must continue.

 

The latest data from the AA shows that there were 5% fewer call-outs related to the diesel exhaust fluid in the first half of 2019, compared with the same period the previous year.

 

The news follows a peak last year, in which the organisation reported seeing 23,000 AdBlue-related breakdowns in the 12-months to June 2018.

 

While diesel sales are down almost 20% year-to-date 2019, the fuel-type still makes up more than a quarter of new car sales.

 

In addition, the roll-out of Euro6 emissions regulations and Selective Catalytic Reduction (SCR) technology means that AdBlue usage is on the increase.

 

However, AA technicians told Fleet News that fewer drivers are making the mistake of running out of the fluid while call-outs related to system faults are also on the decline.

 

Stuart Thomas, director of fleet and SME at the AA, said: “Last year a lack of driver education was leading to significant AdBlue breakdowns, but we are pleased to see that knowledge levels seem to be on the increase.

 

“Fleet managers are obviously doing a good job updating drivers on what they need to do. And, if you’ve run out once, you are unlikely to make the same mistake again.”

 

Despite the positive trend, the AA’s Business Services team is keen to emphasise that educating drivers is far from over.

 

Most drivers will need to top up their AdBlue at least once between services, so it is important to keep an eye on dashboard warnings, particularly for high mileage fleet drivers or those who are jumping in and out of different cars in the company pool, it said.

 

Thomas continued: “We’ve all done it, jumped into an unfamiliar car and decided to take a chance on leaving the warning lights for the next poor person to get behind the wheel.

 

“However, when AdBlue runs out, the engine’s power and performance will be severely limited, and you won’t be able to restart the engine when you stop.

 

“The good news is that the warnings will come up with plenty of time to get your car topped up. The onus is on drivers to keep their fleet managers informed if they don’t get it sorted themselves.”

 

AA technicians are also warning fleets not to get caught out when the weather turns colder this autumn and winter.

 

Thomas said: “Changes in the driving conditions, whether that is heavy payloads or extreme weather, can significantly impact how quickly you get through your tank of AdBlue.

 

“The size of the tank also makes a massive difference. While you might top up anywhere between every 3,000 and 12,000 miles in the spring and summer, this could drop dramatically in the cold weather.”  By Graham Hill – Thanks To Fleet News.

Official DVSA statistics show vast number of dangerous vehicles have deemed dangerous since the updated MoT was introduced.

 

Almost three million vehicles have failed their MoTs as a result of ‘dangerous’ defects, with the updated MoT test revealing the true extent of how badly maintained almost 10 per cent of Britain’s cars are.

 

The MoT test underwent one of the most significant shake-ups in its 59-year history in May 2018, when new defect categories (Minor, Major and Dangerous) and fresh checks were brought in.

 

Official data from the 12 months since those changes were introduced has revealed that 2,952,487 of the 31,285,618 vehicles submitted for their MoT failed last year due to defects that were classified as Dangerous. That means 9.4 per cent of vehicles tested had a fault that posed “a direct and immediate risk to road safety” or “a serious impact on the environment.”

 

The vast majority (29,537,183) of the vehicles tested were cars, with 2,769,081 (9.37 per cent) failing due to a Dangerous defect. Such faults include missing brake pads, twisted steering shafts, and exhausts that are “likely to become detached.”

 

Precisely a third of all cars submitted for their MoT in the 12 months since the test changed failed due to Major or Dangerous faults, far higher than the 17 per cent of failing motorbikes, and 29.7 per cent of minibuses. Worryingly, though, 40.9 per cent of goods vehicles with a weight of between two and 37 tonnes failed their test, with over 13 per cent doing so because of a Dangerous fault.

 

And officials from the Driver and Vehicle Standards Agency (DVSA), which is responsible for administering the MoT, are concerned that the number of vehicles with dangerous faults is likely to be even higher.

 

Neil Barlow, the DVSA’s head of vehicle engineering explained: “With a quarter of cars turning up late for MOT every year, that means there are lots of potentially dangerous vehicles badly in need of inspection.”

 

“We urge people to sign up to our free MOT reminder service so they get their MOTs done on time, helping keep Britain’s roads safe.”

 

The most common cause of an MoT failure in the 12 months from May 2018 were problems with suspension components (these caused 18.3 per cent of failures), followed by issues with lights and electrical equipment (14.9 per cent) and brake problems (8.8 per cent).

 

Vehicle type	Number tested	Failure rate	Number of ‘Dangerous’ defects	Percentage with Dangerous defects
Motorbikes	951,777	17 per cent	48,886	5.14 per cent
Cars	29,537,183	33.3 per cent	2,769,081	9.37 per cent
Minibuses	47,605	29.7 per cent	3,623	7.61 per cent
Goods vehicles	749,053	40.9 per cent	100,897	13.46 per cent
Total	31,285,618	33.01 per cent	2,952,487	9.43 per cent

 

By Graham Hill, Thanks To AutoExpress

As the number of stolen cars fitted with keyless entry continue to hit the headlines causing drivers with the system fitted to their cars to have sleepless nights whilst others of us are paying for the cars stolen in increased premiums.

 

Some have taken to fitting steering locks each time they leave their cars but some manufacturers have started taking steps to avoid crooks being able to pick up signals coming from your ‘key’ indoors, then transmitting the signal to a colleague by the car then gaining entry to the car and driving away.

 

Ford have brought out a simple switch, whereby you can disable the keyless entry but as one owner found, having bought his desirable Focus ST just before the switch was fitted it can’t be retro-fitted.

 

But all is not lost. There are pouches and boxes that you can put your ‘key’ into that will block the signal and if you’re brave apparently you can put it in the microwave but don’t forget it’s in there as any metal could blow up your microwave or if plastic it will melt.

 

Ford, along with other manufacturers have come up with a new keyless key that uses sensor technology. Called the sleeping key fob it is still to be launched but when released Ford drivers will be able to buy the new style fobs for £65 per key (Fiesta) and £72 per key (Focus) with no mention of any other models.

 

A sensor in the fob detects that there has been no movement for more than 40 seconds and disables it so it no longer emits a signal. Whilst the new keys should have been available in May Whatcar reported that the keys were still not available in their October edition.

 

Other manufacturers are working on similar replacements so contact your local dealer for an update if you are still concerned about crooks gaining entry to your car using keyless signals.

 

By Graham Hill

There are many similarities between the way that consumers are assessed when taking out car insurance and taking out finance. The main similarity is that decisions are based on either inaccurate or inadequate data and what could be described as illegally biased interpretations.

 

I will be talking more about the inadequacies of the finance systems in due course but in the meantime the following appeared in Saturday’s Mail regarding Insurance premiums.

 

Researchers at Which created a series of scenarios to see how much they would be quoted on Confused.com and MoneySupermarket.com. In one, the driver had damaged his car, but had not claimed for the repairs. Two of the cheapest quotes – from Hastings Direct and Churchill – wrongly guessed the driver had made a claim as a result and factored this into the quote.

 

When this was corrected, Hastings Direct lowered its premium by £10, but Churchill made a reduction of £207 – a cut of more than 25 per cent.

 

Which? also found that while it is compulsory to declare all recent driving incidents, not all comparison sites let you specify which, if any, led to claims, resulting in some incorrect assumptions.

 

Which? previously showed how some insurers offer discounts of as much as 15 per cent for using a dashcam, however many comparison websites did not. Seemingly irrelevant questions about lifestyle and personal circumstances also affect quotes.

 

For example, they were on average 4 per cent cheaper for homeowners and 4 per cent more for divorcees – apparently based on the assumption a divorcee is more likely to have an accident.

 

It also found that the way drivers describe their job title can influence premiums.

 

When the driver called himself a painter (working in art), his cheapest was £372, but when he listed himself as an artist, it fell to £343.

 

Which? Money editor Jenny Ross, said: ‘To beat these quirks compare different routes for buying insurance, look at various levels of cover from different providers, and shop around every year.’

 

Confused.com said the findings will help them work with insurers to improve their quote process. MoneySuperMarket said: ‘We work with insurers to make sure we ask the right questions, however we do not control how insurers interpret our data.

 

‘We don’t ask customers to supply the cost of a recent claim as this is often something they will not know – for example, costs may have been paid direct by an insurance firm to a garage for repairs.’

 

Hastings Direct said: ‘When the customer clicks through to our website, we do give the option to check their data which would enable them to specify further.’

 

Churchill said: ‘Anyone purchasing through a comparison website can still phone their preferred company to provide any further detail.’ By Graham Hill thanks to Which? And The Daily Mail

Number plate offences are at a five-year high, so just how easy is it to buy a dodgy plate and what is the DVLA doing about it?

The UK’s number plate system is wide open to abuse because of the easy availability of fake plates online, while the number of traffic stops for missing or dodgy plates reached a five-year high in 2018, Auto Express can exclusively reveal.

 

In two linked investigations, we asked police how many number plate offences they had issued tickets for between 2014 and 2018; separately, then we ordered three sets of number plates from online suppliers, all of which were delivered no questions asked, and would be illegal to display on the road.

 

• How to transfer a number plate from one car to another

 

Official data obtained by Auto Express via Freedom of Information requests shows that police issued 9,170 tickets for number plate offences last year across the UK, the highest figure in the past five years.

 

Number plate offences

2014    8,635

2015    7,662

2016    7,671

2017    8,247

2018    9,170

A total of 41,385 stops were made by police between 2014 and 2018, with officers issuing 11 per cent more tickets last year compared with 2017 for number plates not meeting regulations, or plates that were missing from vehicles altogether. London’s Metropolitan police issued the most tickets or rectification notices for dodgy plates (4,411) over the past five years, with Northern Ireland police issuing the second highest number of tickets (4,005).

 

What’s the penalty?

 

Motorists can be issued with a Traffic Offence Reports (TOR) or a Vehicle Defect Rectification Scheme (VDRS) notice (escaping a penalty if the fault is fixed within 14 days) for various offences related to number plates, including missing or obscured plates, and plates not conforming to regulations.

 

Top forces for number plate offences

Police force     Offences (2014-18)

Metropolitan   4,411

Police Servic of Northern Ireland       4,005

West Yorkshire           3,501

Humberside     2,652

North Wales    2,274

Of the 35 police forces to respond to our request, 23 provided offence codes, revealing that roughly 70 per cent of stops made for number plate offences are for driving or keeping a vehicle “when the registration mark fails to conform to regulations”. Number plates not meeting regulations could contain improperly placed characters, be made up using an unofficial font, or have colour-capped screws placed in their characters to change how the plate reads.

 

What do the authorities say?

 

The Driver and Vehicle Licensing Agency (DVLA) told us that all number plate suppliers based in the UK “must be registered with DVLA and must conduct checks before supplying number plates”. The organisation added,“It is an offence to not request the required documentation from the customer [or] keep a record of the transaction, or to supply a non-compliant number plate.”

 

However, at least two of the suppliers we ordered plates from are based in Jersey and they may not be breaking the law there, because it is a separate jurisdiction from the UK.

 

The DVLA told us: “Our officers conduct intelligence-led enforcement activities to tackle a wide range of offences, to investigate and, where necessary, prosecute suppliers – including those who trade illegally using the internet.” The organisation also highlighted that drivers who alter the appearance of their plates face a fine of up to £1,000 and risk having their personalised registrations confiscated.

 

• Banned UK number plates

 

The National Police Chief’s Council (NPCC) told us “ANPR [automatic number plate recognition] data is increasingly enabling police to identify vehicles operating on cloned plates using tools such as journey time analysis. Thisfurther informs our investigative work.” The organisation also advised that “local forces continue to offer crime prevention advice… dependent upon the particular offending seen in their locality”.

 

Jack Cousens, head of roads policy for the AA, said: “Car cloning is on the rise and the DVLA is not doing enough to tackle online retailers. Buying banned registration plates in road-legal specifications is concerning, but more worrying

 

is the ability to lift a number plate off a website and copy it without any ownership checks.

 

“Ultimately, the buck stops with DVLA for not doing enough to tackle online retailers issuing plates to those who have no legal right to claim them.”

 

What we did

 

Cloned plate

 

We copied a registration from a BMW X5 (the most commonly stolen car in 2018, according to Tracker) offered for sale in an online classified ad.

 

We then ordered this number plate, LS15 ***, from Jersey-based My Showplates, and were not asked for any details aside from an address and credit card number during the ordering process. The plates arrived within two days. My Showplates did not respond to our requests for comment.

 

Banned plate

 

We bought the number plate BO19 CKS – a registration banned from the road by the DVLA for being too rude – from A1 Show Plates, a company with an almost identical address to My Showplates.

 

Despite selecting ‘Road Legal’ from a ‘Plate Legality’ menu, this banned plate arrived within two days, and we were not asked for documentation other than an address and credit card number. A1 Show Plates did not respond to our requests for comment.

 

Incorrectly spaced plate

 

NU02BER, a legitimate reg offered for sale by the DVLA, was supplied to us by Show Plates Direct. But we took out the space between the ‘2’ and ‘B’ when ordering the plate, making it illegal to display on the road.

 

We contacted Show Plates Direct, who initially claimed that it had “no such order for this registration or indeed payment from this E-mail address”. The firm did not reply when we provided an order number and explained to them that we used a different E-mail address to place our order.

 

The responsible vendor

While the three companies above sent us dodgy plates with no questions asked, one supplier acted in accordance with UK regulations.

 

• Most expensive personalised number plates

 

DVLA-approved, Yorkshire-based Number1Plates asked us to provide a copy of our V5C logbook, retention certificate or other proof of ownership, as well as a utility or bank bill. We did not send these documents, did not receive the dodgy plates and Number1Plates subsequently refunded our £25.97.

 

Why are fake plates bad news?

 

Police Automatic Number Plate Recognition (ANPR) cameras may not read improperly spaced number plates, plates with incorrect fonts and those with colour-capped screws. This makes crime enforcement more difficult – although police stress that ANPR tools are becoming more sophisticated.

 

A more worrying issue is cloned plates. A criminal with a stolen car may find an identical car for sale online, get a duplicate plate made up based on the advertised car’s registration, then fit this plate to the stolen car. The advertised car won’t have been reported stolen so this cloned plate won’t activate police alerts, despite being placed on a stolen car. The number of drivers telling the DVLA that their car had been cloned has quadrupled over the past six years. By Graham Hill thanks to Auto Express

The Road Vehicles Registration and Licensing (Amendment) Regulations 2017 came into force on May 6, 2017 and drivers abroad and fleet operators, who may have either ignored them or were unaware of them would be wise to take note of them.

 

As we prepare to exit the EU it is likely we will see the Europeans take a tougher position when UK drivers are found to commit motoring offences.

 

The regulations require the Driver and Vehicle Licensing Agency (DVLA) to provide details of the registered keeper of vehicles alleged to have been involved in certain motoring offences across the EU.

 

The details include name, address and date of birth; or legal status if the keeper is not an individual, as well as the make/model and chassis number of the relevant vehicle.

 

The alleged offences include failure to stop at a red light, drink-driving or driving under the influence of drugs, speeding and using a mobile phone while driving.

 

Cross-border EU prosecutions for road offences have been unusual, rare even, but these regulations may change that situation for the better from a road safety point of view.

 

Of course, for employers, there’s the risk that they have simply added another layer of bureaucracy to operations, as well as opening employees to the risk of a foreign prosecution for offences they may deny having committed.

 

In real terms, there are some business considerations for those with a European reach. One of these could be the requirement to engage with foreign justice systems – language barriers and cultural differences may present a challenge, for example.

 

Larger operators may have been able to task in-house legal teams with managing this role, but smaller players may need to find external support – and, of course, this will come at a cost.

 

Another consideration is the interplay between employee relations and the regulations.

 

Businesses will need to ensure their employment contracts and handbooks are up to date, and that their procedures for managing employees accused/convicted of criminal offences abroad are adequate.

 

Operators should also consider their position with regards to supporting (or otherwise) accused employees with legal assistance – especially if a guilty verdict would have a significant impact on the employee’s ability to continue in their role.

 

For those travelling abroad in their own cars, it is important to have insurance cover in the case of a foreign prosecution. Not all insurance policies, even with legal cover, will defend the insured whilst abroad. Check with your insurer. By Graham Hill with thanks to Fleet News.