Acceptance Criteria for First Underwriting Temporary Cover

About the Proposer

  • have resided in the UK, EU, EEA OR Switzerland for the past 12 months OR I am an Ex-Pat OR a visitor from a Commonwealth Country.
  • have held a full UK, EU, EEA, Swiss or Commonwealth licence for the past 6 months.
  • am NOT Unemployed, or have an occupation which is connected to the following trades or professions: Couriers, Licenced taxi or mini-cab driver, Parcel Delivery, Fast-food delivery, Entertainment Industry, or a Professional Sports person.
  • have had NO MORE THAN 2 accidents, claims or loses in the past 3 years irrespective of blame.
  • have had NO MORE THAN 6 penalty points on my licence in the past 5 years and have no 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

  • Has a valid MOT (if required), is NOT declared as SORN (off road) with DVLA and has NOT been seized by the Police.
  • Has NOT been modified or altered in any way - including wheels, suspension, bodywork and engine. Vehicles modified to cater for a disabled driver or passenger or converted to LPG are acceptable.
  • Is ‘right-hand-drive’, has no more than 8 seats and is not a Horsebox, Licensed Taxi or Minicab, Lorry, Minibus, Motor Caravan, Motor Home, Campervan, Recovery Vehicle, Refrigerated or a Tipper.
  • Is valued at more than £1,500 and less than £60,000.
  • Usage will be restricted to social domestic & pleasure purposes, which includes commuting & personal business use only.
  • Will NOT be used to carry hazardous goods, scrap waste or be used or driven at a hazardous location, or 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.
  • Is NOT owned, operated by, hired or rented from any Claims Management, Credit Hire or Accident Management firm.
  • Is NOT being exported outside of the UK or imported into the UK during this period of insurance cover.