Car insurance news-

Alcoholic mum’s toy gun police drama

An alcoholic mum has been lucky not to lose her right to cheap car insurance for women after armed police swarmed her car.

41-year-old Celia Young, who has drink and drug problems, stopped her car to peer at a road accident in London in January 2006, but a gang of youths noticed what appeared to be a handgun tucked into the waistband of her trousers.

They alerted nearby police and within minutes a gun-toting armed response unit surrounded her car and dragged her out onto the road. Understandably shaken, Young revealed to police that the handgun was, in fact, a toy. She explained that she kept if for protection because a strange man had recently approached her and asked to get in her car.

Police breathalysed the mum-of-two but despite swigging Special Brew earlier in the day, she was found to be narrowly under the legal alcohol limit. Just a tiny bit more booze in her system would have seen her charged with drink driving, and a ban and expensive motor insurance would undoubtedly have followed.

Instead she was arrested for possessing an imitation firearm and admitted the charge at Wimbledon Magistrates' Court last week. Warned against carrying toy guns in the future, the mum-of-two was sentenced to an 18-month community order and ordered to pay costs of £35.

A spokesperson for Covergirl Car Insurance Services, specialists in car insurance for women, said, "Any alcohol in your system can affect your driving ability, even if you're not over the drink drive limit, so it's best to steer completely clear if you're planning to get behind the wheel."

*A replacement car can normally be arranged under one of the following conditions: (1) Comprehensive policyholders – a replacement car may be available under the terms of your insurance policy. Please check your policy details for more information. (2) Non fault accident – where we have the name, car registration number and insurance details of the person who caused the accident, we can supply a replacement car. This is done on a credit hire basis which means the costs for this service will be passed onto the insurance company of the person who caused the accident. We may not be able to arrange a replacement car where we are unable to get an admission of liability from their insurance company, or where the driver is untraceable or uninsured. (3) Repair garage – if your car is booked in for repairs following an accident, the repair garage may be able to provide a replacement car (subject to availability).

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