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Adrian Flux - Roadhalo

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#1
[email protected] FLUX

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Hi all,
 
Just a quick note to let you all know about a new product Adrian Flux Insurance is now offering – it’s called “Roadhalo”. It costs just £19.99 and provides expert legal assistance and advice in the event of you being prosecuted of a driving conviction. For lesser driving offences, the team of specialist solicitors will help you through the conviction process and advise you if there is a course available rather than points and fine.
 
The legal team behind “Roadhalo” have a proven record of reducing the severity of your punishment if there are mitigating circumstances. You also get representation in court up to £25,000 in a worst case scenario. It covers you in any car you are driving and you can buy it on its own or as an extra to your motor insurance policy through Adrian Flux. 
 
You may have read similar stories in the papers where celebrities and sportsmen were able to successfully contest certain motoring offences, this is no longer a service just for the rich and famous.
 
Regards


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#2
Chris424

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Sounds like a good service, is it only available to people who are already insured with you?

#3
ste1990

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Sounds like a good service, is it only available to people who are already insured with you?

 

It says you can buy on its own or with an insurance policy. I agree though sounds like a good service! 



#4
Dennis

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In which circumstances will you actually get representation also how do you/the insurers assess prospects of success/when it is worth providing cover and when it is not?

Example scenarios

I was caught doing 39 in a 30 I have returned the nip confirming I was driving they want to give me 3 puts but I want to say it was because I needed to go to the toilet will a solicitor represent me in this case.

Police stop me and try to convict me for using my mobile, I say I was not using my mobile, they want to give me 3 points, no chance of a ban, will solicitors represent me?

I have 9 points on my licence, I get another speeding fine so are summons to appear and likely get a ban, will the policy cover sols to represent me?

There are loads of websites giving legal advice many of them are quite good for minor issues as above, do we really need this.?

Also does the insured have freedom of choice over representation, it is often better to be represented by a local lawyer at magistrates court who knows what does and doesn't 'works' at that particular court?
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#5
[email protected] FLUX

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In which circumstances will you actually get representation also how do you/the insurers assess prospects of success/when it is worth providing cover and when it is not?

 

Hi,

It is difficult to a) speak on behalf of the solicitors who will represent you (we are the insurance broker) and b) to give you general yes/no answers -  All cases and their circumstances are different. Everything within each case must be taken into consideration. Your descriptions are too generic. We could pin down every element of a previous or fictional case but then we would be asking the product to do its job without paying for it. I have answered below as best I can taking this into consideration. They are my thoughts on each case. Not necessarily facts.

I was caught doing 39 in a 30 I have returned the nip confirming I was driving they want to give me 3 puts but I want to say it was because I needed to go to the toilet will a solicitor represent me in this case.

If in this scenario these 3 points were your first 3 points ever – no, I think more often than not there would be not much point in taking it to court to battle it out. The Roadhalo product would assist you in completing your form and perhaps would advise you on your options for a speed awareness course request or similar. But let’s say this 3 points was going to result in a driving ban. You have previous speeding or have other offence convictions. Let’s say you are likely to lose your job if you get these 3 points. Then of course, yes, the product would represent you all the way to court up to £25,000 of cover (plenty of cover for the scenario), and would likely get a positive result in at least reducing the severity of your punishment. But as I must stress again there is so much more to consider. Has the driver got a medical condition that meant they had to go to the loo? Were the motorway services toilets open and within a reasonable time range travelling within the speed limit? How long ago were you last able to go to the loo and should you have really gone before you set off? How many times have you done this route?

Police stop me and try to convict me for using my mobile, I say I was not using my mobile, they want to give me 3 points, no chance of a ban, will solicitors represent me?

 

Depends on so many other factors. For example - will your phone records back up your story? Will the police statement state they saw you dialing and talking on the phone? Or the phone was just in your hand? How many police officers? How far away were they? 

Whatever the additional circumstances you can be sure that the solicitor will advise you correctly on the best course of action.
 
I have 9 points on my licence, I get another speeding fine so are summons to appear and likely get a ban, will the policy cover sols to represent me?
 
If you are likely to get a ban you will get representation in court as the severity of the punishment will need to be ascertained and you will need to attend to put forward your case.
 
There are loads of websites giving legal advice many of them are quite good for minor issues as above, do we really need this.?
 
For minor issues if you’re the type of person happy to take advice from the internet then perhaps you do not see as much value as we do in the product. The advice you will get having this policy for minor offences will be from specialist qualified lawyers, which I personally will hold in high regard. And if I was to end up in court I would have representation at no further expense to me.

Also does the insured have freedom of choice over representation, it is often better to be represented by a local lawyer at magistrates court who knows what does and doesn't 'works' at that particular court?

No, there is a team of driving conviction specialists behind the product.

Kind Regards
Dan

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#6
georged

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Presumably the £19.99 is an annual price!? I can't see this clarified in the original post.



#7
[email protected] FLUX

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Presumably the £19.99 is an annual price!? I can't see this clarified in the original post.

That is correct.


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#8
Dennis

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Thank you for the clarification, so for minor issues that will not result in a big ban or fine, then you will likely be restricted to phone advice advice, the policies real value is where there is a reasonable chance at receiving a ban and, I presume, where there are prospects of significantly reducing the sentence - likely fines/points/ban against the driver?

I had similar cover on my Legal expenses insurance (some still include t) and when I was being prosecuted for speeding that had to be dealt with via summons so could have resulted in a ban (although unlikely still possible, they paid for my representation at magistrates.

I obviously pleaded guilty but provided an explanation for my actions (why it was out of character) and evidence of my driving history including additional driving courses/training after my L test, good character, how my employer would have to replace me etc. which was conveyed by the solicitor. Thankfully the result was was no ban and I got a less than the expected maximum points.

So on that occasion it was worth while as the sols fees for 1 meeting and representation (note these were the local/duty sols to the court so already there) the costs were over £300.




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