Are aged between 18 and 75 (the minimum age may vary depending on individual circumstances).
Hold a current, valid, full UK, EU, EEA, South African, Swiss, Australian or New Zealand driving licence, and have done so for at least 6 months (reduced to 3 months if aged over 25).
Have a current permanent address as stated throughout this application, (please note you may be asked to provide proof of residence in the event of a claim).
Have had no more than 1 fault claim in in the last 12 months.
Have no more than 9 penalty points and have had no disqualifications in the last 18 months.
Have had no motoring offence in the last 3 years with the Conviction Offence Code prefixes DR, CD, DD,UT or DG.
Have had no motoring offence in the last 6 months with the Conviction Offence Code prefix IN or CU80.
Do not have any unspent criminal convictions (other than motor offences) or police cautions in the last 5 years, or any prosecutions pending.
Have never been refused insurance or had a policy cancelled.
About the vehicle
Is registered in Great Britain, Northern Ireland or the Isle of Man.
Has a current market value of less than £75,000.
Has no more than 8 seats (including the driver’s seat).
Is not a Hire or Rental Vehicle.
Is not a seized vehicle or in a police compound.
Vehicle has no engine modifications, body kits, or alloys wheels unless fitted at manufacture or were manufacturer optional extras – unless specifically carried out for a disabled driver or passenger.
Is not imported from another country through channels other than the maker’s official distribution system.
Is not over 3.5 Tonnes GVW.
About the use
Journeys must start and end in the UK (exporting is not permitted).
Must not be used for hiring of the vehicle, the carriage of passengers or goods for payment, the carriage of goods or property which does not belong to you as a courier or for takeaway food or fast food delivery.
Carrying of hazardous goods or use at hazardous locations are not permitted.
Important Information about our policies
MID: Please note that legally we have 7 days to place a policy on the MID (Motor Insurance Database). However, we complete daily updates and aim to have your policy on the MID within 12 hours. You can drive the vehicle legally between the dates and times shown on the certificate of insurance issued to you.
Modifications: the only modifications we accept are: manufacturer specified optional extras fitted at the time of manufacture or catering for a disabled driver or passenger or LPG conversions.
Warning: failure to meet the criteria accurately could invalidate your insurance and may be an offence.