Acceptance Criteria for KGM Daily Insurance

hold a current full and valid UK licence for at least 6 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 or the Motor Trade.
have had NO MORE than 1 accident, claim or loss in the past 3 years that was considered my fault, either partially or fully. (Fire, Theft and Malicious Damage claims are all also considered fault claims.)
have had NO MORE than 3 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 or awaiting trial.

Is NOT a Licensed Taxi or Mini-Cab, 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 7 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.
The vehicle is based in the UK at the start and the end of the policy cover period.