All of your answers on proposal/application forms, statements made to us and all other documentation, whatever the medium of communication, are your responsibility as Proposer/Policyholder. It is the Proposer’s/Policyholder’s responsibility, as a matter of law, to provide fully complete and accurate information to The Company/The Insurer whenever a policy is taken out, and this responsibility is extended throughout the lifespan of the policy. All of the Proposer’s/Policyholder’s statements and information included in proposal/application forms, claim forms, statements of fact and all other documentation, whether completed electronically or otherwise, must be complete and accurate. Any information whatsoever which might have a bearing on the acceptability or otherwise of the proposal/application for insurance, or the continuance of such insurance, must be disclosed at the earliest opportunity. Failure to disclose this material information may result in The Insurer reducing the level of cover available under the insurance, or may result in the total withdrawal of cover.
If you are unsure about any aspect of material information in connection with a proposal/application, then please contact us for further advice and assistance. For your own protection, you are advised to retain copies of any documentation/correspondence that you send to us. If you are providing information about other person/s included in the proposal/application, then it is also your responsibility as Proposer/Policyholder to ensure that the other person/s has given you permission to divulge the information, and that the information provided is complete and accurate.
The policyholder and any additional driver must either:
- hold a current, valid, full UK driving licence, and have done so for at least 12 months
- be aged 21 years or over (25 years or over for vehicles in insurance groups 18 to 20. Eligibility on high insurance groups will be clarified during the quotation process)
- have had no motoring offence involving alcohol or drugs, careless, dangerous or reckless driving or taking a vehicle without consent in the last 3 years. This includes all convictions with the Conviction Offence Code prefixes DR, CD, DD or UT.
- have had no disqualifications in the last 3 years
- have had no more than 2 fault claims in any 3 year period
- have no more than 8 penalty points
- have not been convicted within the last 5 years of any offence relating to fraud, robbery, theft or handling stolen goods including any pending prosecution or police enquiry
- only use the car for social, domestic and pleasure purposes or business use by the policyholder excluding the carriage of passengers or goods for hire or reward
Or:
- hold a current, valid, full EU or EEA driving licence, and have done so for at least 12 months
- be aged 25 years or over
- have had no motoring offence involving alcohol or drugs, careless, dangerous or reckless driving or taking a vehicle without consent in the last 3 years. This includes all convictions with the Conviction Offence Code prefixes DR, CD, DD or UT.
- have had no disqualifications in the last 3 years
- have had no more than 2 fault claims in any 3 year period
- have not been convicted within the last 5 years of any offence relating to fraud, robbery, theft or handling stolen goods including any pending prosecution or police enquiry
- only use the car for social, domestic and pleasure purposes or business use by the policyholder excluding the carriage of passengers or goods for hire or reward