Acceptance Criteria for KGM Borrowed Car Learner

To keep the number of questions we ask to a minimum, we make some assumptions about the learner driver and the car. Please ensure you read the statements below as these will form part of your insurance contract. Incorrect information could invalidate all or part of the policy.

About the Driver

  1. Are aged between 17 and 25, have been a UK resident for 12 months or more; and have a valid UK provisional licence
  2. Have had NO accidents, claims or losses in the past 3 years
  3. Have NO penalty points on their driving licence and they have not been disqualified from driving or had their licence revoked within the past 5 years
  4. Do NOT reside in Northern Ireland
  5. Are NOT Unemployed or Employed in the Entertainment Industry, a Professional Sports-Person or a Musician
  6. Have NEVER had a motor insurance policy cancelled, made void or refused; or had a claim repudiated or declined
  7. Have NEVER been convicted of any criminal offence or have a possible prosecution or police enquiry pending

About the Car

  1. Is valued at less than £25,000, is right-hand drive with no more than 7 seats and has a current valid MOT certificate; and will be used for tuition purposes only
  2. Is NOT owned or registered by you and IS insured under a separate insurance policy that will remain in force for the duration of the insurance contract
  3. Has NOT been modified or altered in any way (including wheels, suspension, bodywork or engine) ~ cars modified to cater for a disabled driver or a disabled passenger are acceptable
  4. Has NOT been seized or impounded and I am not buying insurance cover to obtain its release

About the Supervisor

  1. Is aged 25 or over
  2. Holds a full and valid UK driving licence for at least 3 years
  3. Has been a UK resident for a minimum of 2 years
  4. Does not have a DR coded motoring conviction (for Drink or Drugs offences) within the last 5 years

Driving Test

  1. The Insurance Cover expires immediately from when you pass your DVSA Driving Test - and you will not be covered under this policy to drive home from the Test Centre (you will need the car owner or your Supervising Driver to drive you home or you will need to arrange alternative cover as a Full Licence holder).
  2. Cover for the policy includes cover whilst taking the DVSA Driving Test - the DVSA Test Examiner is qualifies as the Supervising Driver for the test.

If you do not match the Acceptance Criteria, you can not be covered under the InsureLearnerDriver policy and should not proceed with this purchase.