the thing about the insurance isnt a joke, last year our limo driver got pulled on the motorway driving from glasgow to london, they checked his license and insurance, he wasnt insured to drive the limosine, they confiscated the limosine with all 16 of us still inside it, we had to wait 2 hours for a licensed police officer to be called to the scene, driven to the nearest service station, dropped off and they arranged a minibus to take us to where the 2 coaches that where also travelling with us had ended up, as far as i know the driver was arrested for driving without insurance (although he was insured, he wasnt insured to drive that specific type of car, etc) and his limosine was confiscated, he never got it back, it was a new hummer limousine probably worth about 50K, enought for 16-18 people inside