Who is this Policy relevant to?
We believe it is relevant for anyone with a Nil No Claims Bonus. In our experience, its particularly good value for (i) Drivers over 25 years of age, currently paying high premiums because they only have a zero, one or two year bonus, (ii) Drivers of High Performance Vehicles (iii) Drivers on their first policy, (iv) Because they are leaving a fleet policy, (v) Coming back from abroad or (vi) Insuring a second car. These drivers are often penalised by the traditional Insurance Companies who rely on the “bonus system”. We are different. We believe everyone deserves a fair go.
Do you insure 'named' drivers?
Yes. We allow policyholders to add up to 4 different named drivers on a policy. The named drivers must be between 18 and 70 years old and there are some restrictions for performance vehicles. Please call us on 03333 443016 for further information on our restrictions.
What type of driving licence does XS Direct accept?
We will consider non-EU licences on referral, so call us on 03333 443016 or talk to your broker.
We accept full UK licences, UK provisional licence holders (over 18 years old) and full Licences from the EU, USA, Australia, South Africa, New Zealand, Japan & Canada.
Do convictions affect my XS Direct premium?
We do accept drivers with certain convictions. Please call us on 03333 443016 to speak directly to our underwriting team for further information.
Do XS Direct insure young drivers?
We insure drivers from 21 -70 years of age.
Is there a minimum car value XS Direct will insure?
Yes, the minimum car value that we insure is £1,000.
Do penalty points affect my premium?
Yes, if you received the points within the last five years there will be an adjustment to your premium.