Acceptance Criteria - Are You Eligible?

Each product has it's own Acceptance Criteria - the Standard Temporary Motor Insurance's Acceptance Criteria is below.

For Learner Driver - click here

For Impounded Vehicle - click here

To keep the number of questions that we ask to a minimum, we make certain assumptions as detailed below and these 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 below:

The drivers to be insured:

  • are aged between 21 & 75 and hold a current full and valid UK, EU, EEA or Swiss driving licence for at least 12 months
  • have been a permanent resident in the UK 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 6 penalty points in the past 5 years, and have no police enquiry pending
  • have not been disqualified from driving or had their licence revoked in the past 5 years
  • have never been convicted of any criminal offence or have any possible prosecution pending
  • are not Unemployed; or have a full or part-time occupation which is connected to the following trades or professions:
    • Couriers
    • Entertainment Industry
    • Parcel &/or Fast-food 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; is not recorded as a category A or B insurance loss and is not declared as being off-road under the DVLA SORN Regulations
  • will only be used for social domestic & pleasure purposes, which includes commuting and personal business use by the policyholder only; excluding any use 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, Accident Management or Vehicle Rental firm
  • has not been modified or altered in any way (including wheels, suspension, bodywork and engine) - vehicles converted to LPG or modified to cater for a disabled driver or passenger are acceptable.
  • has not been seized or impounded by any Law Enforcement Agency
  • will not be exported during the insurance policy cover period

Important information

The maximum indemnity limit in respect of loss or damage to the vehicle shall not exceed £40000.

Last updated 29th May 2018