• Additional Seats: Decline.

• Alloy Wheels: Accept. Max £1000/Std Size with locking nuts only.

• Water Tank: Decline.

• Chiller Unit: Decline.

• Maximum mileage: 35,000 miles per policy year.

• LPG: Accept if professional coversion and on the register LPG Autogas - the greener, cleaner and cheaper fuel alternative

• Criminal Conviction: Needs to be referred.

• Windscreen Damage: £75 excess if using an approved repairer or £100 excess if using a non approved repairer.

• Allows NCB From: PC,CV Unacceptable Proof of NCD:Commercial Vehicle and Private Car NCD not earned in the UK • Motorcycle NCD • Any type of NCD that expired over 2 years from the date of inception unless it is for a member of the Armed Forces who has been posted overseas. Then allow up to 3 years from the date of inception due to Armed Forces covenant.

• EU Cover: 35 days.

• Dual Post Code: Highest rated, but SD&P and SDP&C use is unacceptable where a dual postcode is declared.

• Previously cancelled policies: All to be referred

• Gaps in NCD: Will only accept up to 2 years gap otherwise refer

• Requires Licence: No.

• The maximum number of seats is 4, however the exception being double-cab pick-ups for which the maximum number of seats is 5.

• 2 Claims allowed in 5 years before NCB step back

• Up to £300 medical expenses

• Our minimum age for drivers is 21 years old and maximum age is 75 years old. The upper age limit only applies to New Business.

• Our maximum vehicle age is 20 years for both Comprehensive and Third Party, Fire and Theft.

• Replacement Keys and locks included up to £1000

• Our maximum vehicle value is £40,000 on Comprehensive policies and £5,000 on Third Party, Fire and Theft policies. Our minimum vehicle value is £500 on both Comprehensive and Third Party, Fire and Theft policies. Please note: any vehicles with a vehicle value of £30,000+ require a tracker to be fitted in order to meet our criteria.

• We allow the transfer of NCD from Spouse/Civil Partner/Common Law to our policyholder. We can accept this as long our policyholder has been on the policy for the amount of years of the NCD and the brokers get a letter confirming the Spouse/Civil Partner/Common Law is happy to give the NCD to the policyholder.

• If the Spouse/Civil Partner/Common Law has passed away or had their licence revoked due to age or medical condition then NCD can be transferred without the letter.

• Update: Helen - 05/09/23

Previous policy cancelled/voidance:

• Direct Debit default: If a proposer has previously had a policy cancelled due to Direct Debit default, then we can accept the risk as long as this was the only reason for cancellation. Please be aware however, if you accept the business on your Direct Debit and the customer defaults again we will NOT waive cancellation fees or assist with any financial shortfall.

• Non-disclosure/Misrepresentation: If a proposer has previously had a policy cancelled or voided due to non-disclosure or misrepresentation then we cannot accept the risk.

• Failed validation: If a proposer has previously had a policy cancelled or voided due to failed validation e.g. failure to provide proof of NCD, licence etc. then we can accept the risk but only on the basis that all validation checks are carried out prior to the inception of the new policy

Accepted Modifications:

• Adapted For Disability (Accepted)

• Air conditioning (Accepted)

• Alarms/Immobilisers/Tracking Devices (Accepted)

• Altered Pedal Configuration (Accepted)

• Animal guards/cages/barriers (Accepted)

• A-frame fitments (Accepted)

• Biodegradable Fuel (Accepted)

• Bluetooth Kit (Accepted)

• Car Phones (Accepted)

• Climate Control (Accepted)

• Cruise Control (Accepted)

• Decals/Stickers (must be in relation to driver’s occupation) (Accepted)

• DVD Player (Accepted)

• External Racking (Accepted)

• Front dashcams (Accepted)

• Graphics-Customised Promotional/Advertising (Accepted)

• Hand Controls (Accepted)

• High Level Brake Lights (Accepted)

• Internal Racking (Accepted)

• Internal Shelving (Accepted)

• Locking wheel nuts (Accepted)

• Magnetic/Removable Signs (must be in relation to driver’s occupation) (Accepted)

• Parking sensors (Accepted)

• Painted Signs (Greater Than 25% Of Side And Door) (Accepted)

• Painted Signs (Under 25% Of Side And Door) (Accepted)

• Rear dashcams (Accepted)

• Rear roof spoiler (Accepted)

• Replacement Seats (Accepted)

• Roof rack (Accepted)

• Satellite Navigation Equipment (Accepted)

• Standard Engine Replacement (Accepted)

• Tinted Windows (Accepted)

• Tow Bar (Accepted)

• Truck bed Tonneau covers (Accepted)

• Upholstery Changes (Accepted)

• Uprated Stereo Systems (Accepted)

• Vinyl Wrap Bodywork (Accepted)

• Wheelchair Clamps/Straps (Accepted)

• Wheelchair Lift/Ramp/Winch (Accepted)

• Wheel Trims (Accepted)

• Windscreen Wipers - Added/Upgraded (Accepted)

• Winter tyres (Accepted)

Declined Modifications:

• Additional Seating (Declined)

• Additional Windows (Declined)

• Air Filter (Declined)

• Awning - Upgraded/added (Declined)

• Bleed / Relief Valve (Declined)

• Body kits (Declined)

• Bored-out engine (Declined)

• Bull Bars (Declined)

• Bumpers - Alloy/Chrome/Steel (Declined)

• Camper Van conversion (Declined)

• Catalytic Converter Removed (Declined)

• Cooling Fan -Added/Upgraded (Declined)

• Crash Bars/Bungs (Declined)

• De-Restrictor Kits (Declined)

• Decals (not in relation to driver’s occupation) (Declined)

• Dual Controls (Declined)

• Electric Conversion (Declined)

• Engine Chip/Tuned (Declined)

• Exhaust System Changes - Cosmetic/Performance (Declined)

• Fixtures and Fittings (Campervan Conversion) (Declined)

• Hoist (Declined)

• Hybrid Conversion (Declined)

• Induction Kit - Turbo/Non-Turbo (Declined)

• Non-Standard Engine (Declined)

• Nitrous Oxide Kit Fitted (Declined)

• Oil Pressure Gauge - Added/Upgraded (Declined)

• Refrigerated (Declined)

• Removal of Seats (Declined)

• Removal of Windows (Declined)

• Roll Bars/Cage (Declined)

• Seatbelt Harnesses (Declined)

• Side Steps (Declined)

• Snorkel (Declined)

• Solar Panels (Declined)

• Suspension Changes (Declined)

• Twin Carb (Declined)

• Uprated Belt/Variater Kit (Declined)

• Uprated Brakes (Declined)

• Uprated Clutch (Declined)

• Uprated fuel pump (Declined)

• Water Tank (Declined)

• Water Injection System (Declined)

• Winch (Declined)

Double Cab Pick-ups:

Total loss/write offs:

Unacceptable Vehicle Types:

Product Limits

• Use of our approved repairer scheme with a repair guarantee on all work:

• Small Courtesy Van provided as standard during repair period by an approved repairer:

• Electric Vehicles:

• Audio equipment cover both manufacturer and non-manufacturer:

• Nav equipment cover both manufacturer and non-manufacturer

• Personal belongings

• Sign writing

• Windscreen Cover Including recalibration of sensors

• New Vehicle Replacement

• Third Party Legal liability for death and injury to anyone including passengers

• Legal liability for damage to other people’s property

• Uninsured driver benefit

• Onward travel

• Medical Expenses