To keep the number of questions we ask you to a minimum, we make some assumptions about you and your vehicle. Please ensure you read the checklist below as it will form part of your insurance contract.
If your circumstances change between the date you purchase the policy and the date when you require the policy to commence, please call us. Incorrect information could invalidate all or part of the car insurance policy.
If any of these assumptions are incorrect, please call to obtain your car insurance quote.
Checklist
We assume that:
- All drivers are at least 17 years of age, hold a valid UK driving licence and are permanent residents in the UK.
- The total number of accidents and/or claims for all drivers does not exceed five in the last three years.
- The total number of convictions, fixed penalties and/or disqualifications for all drivers does not exceed three points in one year, or 11 points in the last five years.
- The vehicle is registered to you, your spouse, partner or civil partner (not business partner) at your address and one of you will be the main driver.
- Your vehicle will be used for social, domestic and pleasure use (for example, driving to the shops or doing school runs).
- If you’re employed you use your vehicle to commute to and from your normal place of work, unless your occupation is one of the following: Motor Trade, Retired, Housewife/Househusband, Driver, Driving Instructor, Delivery Driver, Courier, Student and Unemployed, where commuting is not covered.
- For all other occupations, the car may be used in connection with your business or the business of your spouse, partner, or civil partner (driving to multiple addresses for work). We don’t cover business partners for business use. If you’re unsure about what you are and aren’t covered for, please contact us.
- Your business or the business of your employer is not in any way connected with any of the following: the entertainment and fashion industry, professional sports, fast food delivery, parcel delivery, foreign service or diplomatic personnel, scrap or salvage merchants, general dealers, mini-cab drivers or controllers.
- Your vehicle is not over 25 years old.
- The annual mileage of your vehicle does not exceed 50,000 miles.
- The value of your vehicle is no greater than £75,000.
- Your No Claim Discount (NCD) was earned in the UK (including Channel Islands, Isle of Man and Republic of Ireland) and issued by your previous UK insurer. All NCD must be written in English, with the NCD level shown in years and not as a percentage. All NCD should be in your name as the policyholder and not used on any other vehicle.