Acceptance Criteria & Eligibility

The statements below must describe your circumstances correctly.

You the Proposer must:

• Be aged between 21 and 75
• Hold a current full and valid UK, EEA or European Union driving licence for at least 12 months
• Have been continuously resident in the United Kingdom or European Union for the past 12 months

Have no more than:

• 2 claims in the last 3 years
• 6 penalty points on your driving licence within the last 5 years and have no prosecution or police enquiry pending

Have not been:

• disqualified from driving, convicted or cautioned within the last 5 years in respect of any offence involving dishonesty, fraud, robbery or arson or have any prosecutions or police enquiries pending

Must not be:

• Unemployed, or have a full or part-time occupation which is connected to the following trades or professions:
• Couriers, Parcel & Fast-food delivery
• Entertainment Industry
• Professional Sports-person

The vehicle is:

• not left-hand drive
• used for social domestic & pleasure purposes, which includes driving to and from work and personal business use by the Policyholder only
• is not being exported outside of the UK
• not currently declared as being off-road under the SORN Regulations

The vehicle does not:

• have more than 8 seats in total (including the driver)
• exceed 3500kg gross vehicle weight where the vehicle is classed as a light commercial
• have a registration number issued outside of the United Kingdom, or a number-plate starting with the letter 'Q'

The vehicle will not be used:

• to carry hazardous goods, scrap waste or be used or driven at a hazardous location
• for any purpose in connection with the motor trade, carriage of goods or passengers for hire or reward, racing, pace-making, speed testing, rallies, trials or competitions

There is no limit to the market value of the vehicle to be insured but the maximum indemnity limit in respect of loss or damage shall not exceed £35000. Vehicles in excess of £30000 and under £35000 will be subject to a 10% co-insurance clause unless fitted with a Satellite Tracking Device.

Vehicle Modifications

• Vehicles fitted with manufacturer specified optional extras fitted at the time of manufacture are acceptable
• Vehicles converted to LPG are acceptable
• Vehicles modified to cater for a disabled driver or a disabled passenger are acceptable
• All other post manufacture modifications (cosmetic or performance related) are not acceptable

Other important information

Impounded Vehicles

Insuredaily insurance certificates cannot be used for the purpose of recovering an impounded or confiscated vehicle.

Card Payments

Payment can only be made by the person who is named on the policy.

You must not proceed with the purchase of short-term insurance cover if you cannot agree to any of the above statements.

Last updated: 22.11. 2011