Acceptance Criteria for KGM Daily Insurance

About the Driver

  • hold a current full and valid UK licence for at least 6 months or a full EU, EEA or Swiss driving licence for at least 12 months.
  • am currently living in the UK, and have been continuously resident in the UK or EU for the past 12 months.
  • am NOT Unemployed; or have a full or part-time occupation which is connected to the following trades or professions: Couriers, Licenced taxi or mini-cab driver, Fast Food Delivery, Parcel Delivery, Entertainment Profession, Professional Sportsperson.
  • have had NO MORE than 2 accidents, claims or losses in the past 3 years.
  • have had NO MORE than 6 penalty points on my licence within the past 5 years, and have NO prosecution or police enquiry pending.
  • have NOT been disqualified from driving or had my licence revoked in the past 5 years.
  • have NEVER had an insurance policy cancelled, made void or refused; or had an insurance claim repudiated or declined.
  • have NEVER been convicted of any criminal offence or have any possible prosecution pending.

About the Vehicle

  • Is NOT a Horsebox, Lorry, Minibus, Motor Caravan, Motor Home, Campervan, Recovery Vehicle or a Tipper.
  • Has a market value of less than £50,000 and has no more than 8 seats and has a current MOT certificate (if required) and is not recorded as a Category A or B insurance loss.
  • Has not been modified or altered in any way (including optional extras). For example - wheels, suspension, bodywork and engine. Vehicles modified to cater for a disabled driver or a disabled passenger are acceptable. Vehicles converted to LPG are acceptable
  • Has not been seized or impounded by any Law Enforcement Agency
  • WILL BE used for social domestic & pleasure purposes which includes commuting and personal business use by the policyholder ONLY
  • Will NOT be used for any purpose in connection with the motor trade, scrap waste, carriage of goods or passengers for hire or reward, racing, pace-making, speed testing, rallies; trials, competitions or carrying hazardous goods
  • Is NOT owned, operated by, hired or rented from any Claims, Credit Hire or Accident Management Company
  • Is NOT being exported outside of the UK or imported into the UK during this period of insurance cover.