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Acceptance Criteria - Are You Eligible?

To keep the number of questions that we ask to a minimum, we make certain assumptions as detailed below and must describe your circumstances correctly. These will form the basis of your insurance contract which may be invalid if you do not meet the eligibility criteria stated.

You the Proposer to be insured:

  • are aged between 19-24 and hold a current full and valid UK, EU, EEA, Swiss or Commonwealth driving licence for the past 12 months
  • have been continuously resident in the UK, EU, EEA or Switzerland for the past 12 months
  • have no more than 6 penalty points on your licence in the past 5 years and have no police enquiry pending
  • have not been disqualified from driving or had your licence revoked in the past 5 years 
  • 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 never been convicted of any criminal offence or have any possible prosecution pending
  • are not Unemployed, or have an occupation which is connected to the following trades or professions: Couriers, Parcel Delivery, Fast-food delivery, Entertainment Industry, or a Professional Sports person

The vehicle:

  • has a market value greater than £1500 and less than £45000
  • is right-hand drive, has no more than 8 seats and is not a Horsebox, Licenced Taxi or Minicab, Lorry, Minibus, Motor Caravan, Motor Home, Recovery Vehicle, Refrigerated or a Tipper
  • 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
  • will be used for 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, Credit Hire or Accident Management firm
  • has a valid MOT certificate if required, and is not currently declared as being off-road under the DVLA SORN regulations
  • is not being exported outside of the UK during this period of insurance cover

Other important information

Impounded Vehicles:

This insurance cannot be used for the purpose of recovering an impounded or confiscated vehicle. The certificate of insurance is endorsed to this effect.

Card Payments:

Payment can only be made by the person who is insured to drive on the policy. Using another person's card will invalidate the policy cover.

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Updated 16/06/2017