2am
The policy was only incepted at 8am so it will only cover you from 8am onwards, you would have been classed as an uninsured driver at 2am! INsurance companies wont pay out on claims which happen hours before you start a policy with them!!
It is 24 hours.8am to 8pm = 12 hours.8pm to 8am = 12 hours.2 x 12 = 24.
On the same morning there are 3 hours from 8am to 11am
Nine hours.
14 hours
Eight hours !
11.25 hours
5 hours.
3 hours.
9 hours.
Three hours !