Coverage Eligibility:
We provide insurance for drivers seeking short-term coverage for various reasons, including:
- Shared Long Drives: When you’re sharing a lengthy journey.
- Borrowed Vehicles: If you need to borrow someone else’s car.
- University Breaks: Driving your parent’s car while home from university.
- Car Repairs: When your car is being repaired and you need to use another vehicle.
- New Vehicle Collection: To collect a new vehicle before arranging an annual policy.
- House Moving: Driving a different vehicle, like a van, for moving house.
- Impounded Vehicle Retrieval: Getting back an impounded vehicle.
- Learning to Drive: Coverage for learner drivers.
Eligibility Criteria:
To be eligible for our short-term insurance, you must meet the following requirements:
- Age: Between 17 and 78 years old.
- Driving Licence: Possess a UK, EU, or UK provisional driving licence.
- Residency: Have been a permanent UK resident for the last 12 months or a former UK resident expatriate.
- Licence Points: Have no more than 7 licence points in the last 3 years.
- Disqualifications: Not have been disqualified from driving in the last 2 years.
- Fault Claims: Have no more than 2 fault claims in the last 3 years.
- Criminal Record: No criminal convictions, ongoing ASBO or CBO.
- Previous Void Policy: No prior voided insurance policies.
- Vehicle Value: Vehicle value must be at least £1,500; maximum claim capped at £65,000 depending on insurer.
- Vehicle Condition: Vehicle must be roadworthy with a valid MOT (unless going to a pre-booked MOT).
- Taxation: Vehicle must be taxed (unless obtaining tax immediately after purchase).
- Insurer Criteria: Pay attention to each insurer’s specific eligibility criteria outlined in their Proposer’s Declaration.
Exclusions – What We Don’t Cover:
We do not provide coverage for the following situations:
- Vehicle Modifications: Except those aiding disabled drivers.
- Left-Hand Drive Cars: Left-hand drive motorhomes are insurable.
- Vehicles with 8+ Seats: Including commercial vehicles with more than 5 seats.
- Hire or Loan Vehicles: This includes vehicle rentals, salvage/recovery, credit hire, and accident management.
- Hire and Reward: Excluding our courier scheme for goods carriage.
- Racing and Commercial Use: No use for racing, pace-making, speed testing, commercial travel, or motor trade purposes.
- Hazardous Goods or Locations: Use involving hazardous goods or locations.
- SORN Vehicles: Vehicles declared as Statutory Off Road Notification (SORN).
- International Licences: Not covered for international driving licences.