We offer various levels of cover, please check your policy certificate & schedule for details of your cover.
Our most common policy excess is £3,000. This excess applies to the entire policy including the third party damage and injury section.
Policyholders must be aged between 21 and 70.
We accept full and provisional UK licences, full Irish licences and full licences from the EU, Canada, USA, Australia, New Zealand, South Africa and Japan.
Our policy allows for 4 named drivers per policy.
We do not offer cover for serious convictions. Please provide us with full details and we will confirm if the relevant conviction(s) is acceptable.
Vehicle exclusions we don't cover
Kit built vehicles.
Certain vehicle modifications. Please provide full details to us and we will confirm if the relevant modification(s) is acceptable.
Some performance vehicles for drivers under 25 years of age.
Car Value. There is a minimum car value of £1,000 and a maximum value of £100,000.
For drivers under 25, the maximum car value that we will cover is £50,000.
Windscreen cover (Optional)
We will pay up to £300 for damage to the insured vehicles windscreen or windows in any one period of Insurance if it is replaced or repaired by our approved suppliers, and up to £100 in any one period of Insurance if any other supplier carries out the repair or replacement.
The policy does not cover:
The first £50 of any claim.
Damaged sunroofs, roof panels, lights or reflectors (even if they are made of glass).
Extra costs for the work undertaken outside normal hours, unless the windscreen is shattered, or the driver's vision or the security of the Insured Vehicle is affected.
VAT if you are registered.
You must state your full occupation. Full time and Part-time occupations must be declared; vague answers e.g. manager, director, clerk etc. are not sufficient. We will not consider certain occupations which are listed on the quotation systems.
We do not quote for the following usage
- Vehicles used for hire or reward
- Vehicles used for haulage
- Vehicles used airside in an airport
- Vehicles used for racing, rally or speed trials
- Vehicles used for law enforcement or security duties
- Vehicles used for emergency services
- Vehicle used in connection with the motor trade
The policyholder must be a permanent resident in UK.
The territory covers the UK (including Northern Ireland and the Isle of Man) and the Republic of Ireland. Minimum cover applies to driving in Europe, to upgrade to comprehensive cover in Europe there is an additional fee per week of £75