The insurance industry is complex and constantly evolving, whether it is private, professional or general insurance. Maximum Value helps you assess the strengths of your personal or business situation in order to develop new opportunities.

Gross negligence cover

If you cause an accident because you failed to comply with traffic regulations due to gross negligence, the insurer may reclaim compensation.
Here are some examples of grossly negligent offences:

  • driving over safety lines and stop signals
  • passing through red lights
  • speeding
  • drinking and driving, drug and medication abuse.

 Some insurers will provide cover for gross negligence, at a higher cost.
However, there is no insurance against drinking and driving, drug abuse or extreme speeding.
Some insurance companies do not offer explicit gross negligence cover, but will determine for each case exactly how grossly negligent the driver’s actions were. This is usually determined by whether or not the driver’s license was confiscated by the authorities following the accident.

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