Acceptance Criteria for Ageas Short Term Insurance

About the Proposer

  • Am Aged between 21-75 if insuring a Private Car or aged between 25-70 if insuring a Commercial Vehicle
  • Have held a full UK licence for more than 12 months.
  • Have resided in the UK for the past 12 months.
  • Am NOT unemployed or connected to any of the following professions; Couriers, Licenced taxi or mini-cab driver, Entertainment Industry, Fast-food Delivery or Parcel Delivery.
  • Have had NO claims or loses of any type (excluding windscreen) in the last 3 years.
  • Have NO MORE THAN 6 penalty points on your licence in the past 3 years and have no police enquiry pending.
  • Have NEVER been refused insurance, had a policy cancelled or voided.
  • Have NO criminal convictions, Police prosecutions or enquiries pending.
  • Have NOT been disqualified from driving or had my licence revoked in the last 3 years.

About the Vehicle

  • Has a valid MOT (if required), is NOT declared as SORN (off road) with DVLA, registered in the UK and has NOT been seized or impounded by the Police.
  • Has NOT been modified, NB: Vehicles modified to cater for a disabled driver or passenger or converted to LPG are acceptable.
  • Is ‘right-hand-drive’ and is NONE of the following: Horsebox, Licenced Taxi or Minicab, Lorry, Minibus, Motor Caravan, Motor Home, Recovery Vehicle, Refrigerated or a Tipper.
  • Is valued at over £1,000 and less than £65,000.
  • Has NO MORE than 5 seats if a Commercial Vehicle with a maximum GVW of 3.5 tons and NO MORE than 7 seats if a Private Car.
  • Usage will be restricted to social domestic & pleasure purposes, which includes commuting and use by policyholder in connection with their business.
  • Is NOT owned, operated by, hired or rented from any Claims Management, Credit Hire or Accident Management firm.
  • Is NOT being exported outside of the UK or imported into the UK during this period of insurance cover.
  • Will NOT use the vehicle to carry hazardous goods, scrap waste or be used or driven at a hazardous location, or for any purpose in connection with the motor trade, carriage of goods or passengers for hire or reward, racing, pace-making, speed testing, rallies, trials or competitions.