Acceptance Criteria: Aged 21-75 - Are You Eligible?

The following statements below must describe your circumstances correctly. These form the basis of your policy and may be invalid if you decide to buy and do not meet the criteria stated.

You, the driver to be insured:

  • are aged between 21 & 75 and hold a current full and valid UK licence for a minimum period of 6 months
  • are living in the UK, and have been a continuous resident in the UK or EU for the past 12 months
  • have had no more than 2 accidents, claims or losses in the past 3 years
  • have never had an insurance policy cancelled, made void or refused; or had an insurance claim repudiated or declined
  • have no more than 3 penalty points, and have not been disqualified from driving or had your licence revoked in the past 5 years
  • have never been convicted of any criminal offence or have any prosecution or police enquiry pending

are not Unemployed; or have a full or part-time occupation which is connected to the following trades or professions:

  • Couriers
  • Entertainment Industry
  • Fast-food delivery
  • Licenced Taxi or Mini-Cab Driver
  • Parcel delivery
  • Professional Sports-person

The vehicle:

  • is not a Horsebox, Licenced Taxi or Minicab, Lorry, Minibus, Motor Caravan, Motor Home, Recovery Vehicle or a Tipper
  • has no more than 8 seats, has a current MOT certificate (if required) and is not recorded as a category A or B insurance loss
  • has a market value of less than £50000
  • 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 or competitions
  • is not owned, operated by, hired or rented from any Claims, Credit Hire or Accident Management Company
  • has not been modified or altered in any way (including optional extras). For example - wheels, suspension, cosmetic, bodywork and engine. Vehicles modified to cater for a disabled person or converted to LPG are acceptable
  • has not been seized or impounded by any Law Enforcement Agency
  • will not be exported outside of the UK or imported into the UK during the insurance policy cover period