EXCLUDES drivers with a provisional licence EXCLUDES drivers with a full licence for less than 1 year EXCLUDES drivers with a full licence for less than 2 years EXCLUDES drivers with a full licence for less than 3 years EXCLUDES drivers with a full licence for less than 4 years EXCLUDES drivers with a full licence for less than 5 years EXCLUDES drivers with a full licence for less than 6 years EXCLUDES drivers with a full licence for less than 7 years EXCLUDES drivers with a full licence for less than 8 years EXCLUDES drivers with a full licence for less than 9 years NO QUOTE if any driver is only temporarily resident in the UK NO QUOTE if any driver resident in the UK for less than 1 year NO QUOTE if any driver resident in the UK for less than 2 years NO QUOTE if any driver resident in the UK for less than 3 years NO QUOTE if any driver resident in the UK for less than 4 years NO QUOTE if any driver resident in the UK for less than 5 years NO QUOTE if any driver resident in the UK for less than 6 years NO QUOTE if any driver resident in the UK for less than 7 years NO QUOTE if any driver resident in the UK for less than 8 years NO QUOTE if any driver resident in the UK for less than 9 years Allows up to 2 NAMED AND APPROVED additional drivers Allows up to 3 NAMED AND APPROVED additional drivers Allows up to 4 NAMED AND APPROVED additional drivers Allows up to 5 NAMED AND APPROVED additional drivers Allows up to 6 NAMED AND APPROVED additional drivers Allows up to 7 NAMED AND APPROVED additional drivers Allows up to 8 NAMED AND APPROVED additional drivers Allows up to 9 NAMED AND APPROVED additional drivers NO QUOTE if ban was longer than 1 month NO QUOTE if ban was longer than 2 months NO QUOTE if ban was longer than 3 months NO QUOTE if ban was longer than 4 months NO QUOTE if ban was longer than 5 months NO QUOTE if ban was longer than 6 months NO QUOTE if ban was longer than 7 months NO QUOTE if ban was longer than 8 months NO QUOTE if ban was longer than 9 months NO QUOTE if ban was longer than 10 months NO QUOTE if ban was longer than 11 months NO QUOTE if ban was longer than 12 months NO QUOTE if ban was longer than 13 months NO QUOTE if ban was longer than 14 months NO QUOTE if ban was longer than 15 months NO QUOTE if ban was longer than 16 months NO QUOTE if ban was longer than 17 months NO QUOTE if ban was longer than 18 months NO QUOTE if ban was longer than 1 year NO QUOTE if ban was longer than 2 years NO QUOTE if ban was longer than 3 years EXCLUDES drivers under 18 EXCLUDES drivers under 19 EXCLUDES drivers under 20 EXCLUDES drivers under 21 EXCLUDES drivers under 22 EXCLUDES drivers under 23 EXCLUDES drivers under 24 EXCLUDES drivers under 25 EXCLUDES drivers under 26 EXCLUDES drivers under 27 EXCLUDES drivers under 28 EXCLUDES drivers under 29 EXCLUDES drivers under 30 EXCLUDES drivers under 31 EXCLUDES drivers under 32 EXCLUDES drivers under 33 EXCLUDES drivers under 34 EXCLUDES drivers under 35 EXCLUDES drivers under 36 EXCLUDES drivers under 37 EXCLUDES drivers under 38 EXCLUDES drivers under 39 EXCLUDES drivers under 40 EXCLUDES drivers under 41 EXCLUDES drivers under 42 EXCLUDES drivers under 43 EXCLUDES drivers under 44 EXCLUDES drivers under 45 EXCLUDES drivers under 46 EXCLUDES drivers under 47 EXCLUDES drivers under 48 EXCLUDES drivers under 49 EXCLUDES drivers under 50 EXCLUDES drivers under 51 EXCLUDES drivers under 52 EXCLUDES drivers under 53 EXCLUDES drivers under 54 EXCLUDES drivers under 55 REFER BASIC COVER ONLY! Excludes Effects, PA Benefits and Medical Expenses EXCLUDES driving other cars EXCLUDES personal accident benefits EXCLUDES contents EXCLUDES foreign use EXCLUDES drivers UNDER 25 unless NAMED EXCLUDES all other drivers UNDER 21 EXCLUDES all other drivers UNDER 25 COVER RESTRICTED TO ACCIDENTAL DAMAGE THIRD PARTY FIRE & THEFT EXCLUDES drivers UNDER 21 unless NAMED NAMED and APPROVED drivers only Alarm to be fitted by installer who has received VSIB accreditation Alarm to be fitted by installer who has or has applied for VSIB accreditation Young novice drivers excess in addition to other non-young novice excesses REFER if more than two driving tests failed Copy of Pass Plus Certificate MUST be included with proposal Proof of fitting and payment of subscription for TRACKER type security needed Declaration needed to confirm details re second car/company car Guaranteed bonus policy Reduce NCB if the second/company car was a van,3 wheeler or commercial vehicleREFER to confirm terms/acceptability Proof of IAM qualification required Scheme rates EXCLUDES drivers under 30 unless NAMED Use limited to SDP to and from permanent place of work MUST NOT have any Non-Motoring Criminal convictions in last 5 years REFER to confirm introductory bonus Protected bonus policy available at extra cost - re-run for PROTECTED EXCLUDES carriage of goods in connection with any trade or business A medical certificate will be required for the proposer A medical certificate will be required for the additional driver Quote includes Windscreen Cover This policy is bonus protected Economy rates REFER if car used on air side of airport Assumed company car use ended within the last 2 years otherwise reduce NCB Letter/Declaration from employer re claim free record needed - else reduce NCBIf ex-company car driver & gets letter re claim free record give increased I.DThis quote assumes clerical grade worker - otherwise DEDUCT scheme discount Proof of fitment for Alarm/Immobiliser must be obtained This is their SPECIAL POLICY,such as:30 plus/BP5/Mature/select/proficient ETC Assumed previous use of company car included SDP If licence restricted to Automatic vehicles, restrict cover likewise (inc DOC)Temporary visitors to the UK are NOT ACCEPTABLE Commuting excluded for young additional drivers Subject to warranted accompanied clause The all sections excess is a Fire & Theft excess only EXCLUDES personal effects unless stolen from locked boot Includes own business use by insured or spouse Policy must not be restricted to insured only driving EXCLUDES commuting NO QUOTE unless reliable car alarm fitted Also assumed company car no longer available EXCLUDES all other drivers under 26 Drink/Drug clause will apply Assumes car just purchased by proposer and not previously insured it Copy of all driving licences needed Copy of driving licence needed No driver restrictions allowed unless one driver holds a full licence 25 excess applies to windscreen replacement This is a COMMERCIAL VEHICLE POLICY The compulsory excess is for Accidental Damage and/or Theft All excess apply to Accidental Damage and/or Fire & Theft The compulsory excess is for Accidental Damage,Fire and Theft Subject to caravan clause NO QUOTE if Foreign Registered vehicle EXCLUDE Driving Other Cars if vehicle modified for disability 100 of the excess applies to Accidental Damage,Fire and Theft EXCLUDES all other drivers under 30 Driving must NOT be restricted solely to provisional licence holders NO QUOTE unless at least ONE driver holds a full licence REFER to confirm car group 40 excess applies to windscreen replacement REFER "Q" registered vehicles EXCLUDES drivers who have not held a full licence for 1 year unless NAMED 100 Fire,Theft & Malicious damage excess applies when not in a locked garage Medical evidence confirming fitness to drive is required Assumed any modifications to vehicle specified on licence have been done Assumed full vision in remaining eye and was not due to disease Assumed no more than 1 attack and no disease or damage remaining REFEER if car has Decals/Stickers/Badges which indicate increased performance Assumes DVLC notified of drivers disability and driving licence issued NO QUOTE if any accident was caused due to disability 100 Fire,Theft & Malicious damage excess applies Assumed driving licence is unrestricted Assumed not registered disabled Limited Mileage Discount given Quote assumes Lease Car Contract is for a minimum of 12 months ELSE NO QUOTE 100 Fire & Theft excess applies when not in a locked garage EXCLUDES drivers under 26 unless named Ungaraged exclusions - theft of accessories or spare parts 100 Theft excess applies 100.00 Fire & Theft excess applies REFER if drugs are taken for the medical condition REFER if disability is due to a progressive disease Assumed company car use ended within the last year otherwise reduce NCB Subject to completed form Quote assume vehicle fitted with hand controls due to driver having disabilitySubject to satisfactorily completed Diabetic Questionnaire Subject to satisfactorily completed Health Declaration NO QUOTE if vehicle has been adapted 50 excess applies to windscreen replacement Protected bonus policy available for 10% load Proof of fitment of Alarm/Immobiliser MUST be sent with proposal - else REFER Evidence of claim free driving from "free" insurer must accompany proposal EXCLUDES drivers who have not held a full licence for 2 years unless NAMED DEDUCT the alarm discount if the alarm was standard fitted by the manufacturer60 excess applies to windscreen replacement NO QUOTE unless you have a driver aged 21+ with full licence 3+ years Proof of NCB earned on additional vehicle is required All excesses apply to Accidental/Malicious Damage and/or Fire & Theft BASIC COVER ONLY! Excludes GLASS,Audio,Effects,PA Benefits & Medical Expenses BASIC COVER ONLY! Excludes Audio,Effects,PA Benefits & Medical Expenses QUOTE based on driver 2 QUOTE based on driver 3 QUOTE based on driver 4 QUOTE based on driver 5 QUOTE based on driver 6 QUOTE based on driver 7 Name of Leasing Company required QUOTE based on driver 9 Alarm discount subject to Annual Maintenance Contract NO QUOTE if any driver is a Caravan Dweller or Traveller NO QUOTE if any driver is a Caravan Dweller unless permanently sited Protected Bonus Benefits will take previous claims experience into account NO QUOTE if vehicle modified 100.00 Fire & Theft excess applies Theft of radio excluded If any additional driver has a provisional licence - work quote MANUALLY Protected bonus policy available for approximately 12.5% more Protected bonus policy available for +12.5% & 50 excess Extra 200 xs if driver under influence of or refuses test for drugs/alcohol EXCLUDES drivers with less than 1 yrs driving exp. on a full lic unless NAMED For windscreen cover ADD 25.00 The compulsory excess can be reduced by 50.00 for approximately 2.27% more EXCLUDES loss or damage from use of cooking or heating appliances EXCLUDES loss to contents other than permanent fixtures and fittings EXCLUDES drivers with a full licence for less than 1 year UNLESS NAMED REFER Drivers aged 75+/60+ with full lic under 2 yrs OR prov lic for 2+ yrs NO QUOTE unless you have a named driver age 21+ with full licence for 3+ yearsAssumes no accidents in 3 years or endorsements in 5 years ADD 7.7% if not insured with this insurer for the last 2 years Protected bonus policy available for 10% more & 50 excess for comprehensive REDUCE introductory bonus unless car with NCB is insured by spouse Protected bonus policy available for approximately 14.3% more Deduct 2.5% loyalty bonus for 2nd+ consecutive renewal on NCD protection 100 Theft Excess applies when not garaged 300 Theft excess applies when not garaged 200 Theft excess applies when not garaged Alarm discount NOT granted until Installation Certificate completed Theft excess may be reduced by 100, written proof of alarm fitment required NO QUOTE if the van is a pick-up Assumes a minimum of 3 years claim free driving for each driver NO QUOTE if foreign registered vehicle Refer to Guardian re possible intro bonus due to "Second Car Insurance" Addt drivers no fault accs in last 3 yrs or endts in last 5 except 1 speeding Additional 100 Fire and Theft excess applies for additional driver/s under 21 Protected bonus policy available for +15% & 50 ADF+T excess (min 10.00) 250 of the compulsory excess is for Accidental Damage,Fire & Theft 350 of the compulsory excess is for Accidental Damage,Fire & Theft 50 of the compulsory excess is for Accidental Damage,Fire & Theft For windscreen cover ADD 25.00 +5.25% if under 30 ELSE +11.11% - if NOT working from one permanent workplace EXCLUDES loss or damage from use of cooking or heating appliances 100 of the compulsory excess is for Accidental Damage,Fire & Theft 150 of the compulsory excess is for Accidental Damage,Fire & Theft NO QUOTE if any driver has NOT held a full licence for 6 months minimum Protected Bonus Policy available for +15% (min 10.00) REFER drivers aged 75+ OR 65+ with full licence under 1 year REFER where young driver is not the main user Annual self-declaration of fitness to drive required for Diabetic driver(s) The voluntary excess is a Fire and Theft excess only REFER if disability diagnosed within last 6 months NO QUOTE if less than 4 yrs driving experience on another car - proof required 100.00 Fire & Theft excess applies For windscreen cover ADD 30.00 REFER if radio, phone or other sound equipment valued over 750 Assumed licensed by authorities - if not REFER If ANY driver resides on licensed premises, REDO with occupation as Publican ADD 25% use load if self employed Protected bonus policy available for a small increase in premium & 50 excess EXCLUDES prov lic holders if: age 61+,failed 3+ tests or held licence 5+ yrs Provisional drivers are warranted accompanied by a qualified driver 25+ REFER if more than one additional driver UNDER 21 Lombard reserve the right to request a medical report at the insureds expense Full details of all medication being taken is required 250 of the compulsory excess applies to Accidental Damage,Fire & Theft 500 of the compulsory excess applies to Accidental Damage,Fire & Theft 750 of the compulsory excess applies to Accidental Damage,Fire & Theft NO COVER FOR THEFT unless alarm fitting certificate is sent 50 excess applies to windscreen replacement For windscreen cover ADD 25.00 100 Fire,Theft & Malicious Damage excess applies - to delete F&T ADD 8.00 This quote is a guide only - please REFER to company for accurate quote Protected bonus policy available for approximately +12.5% & 50 excess on Comp See guide for more than one car discount REFER Drivers aged 75+/60+ with full lic under 2 yrs, OR prov lic for 2+ yrs EXCLUDES drivers with a full licence for less than 1 year UNLESS NAMED 100 Fire,Theft & Malicious Damage excess applies - to delete F&T ADD 12.00 Extra 200 xs if driver under influence of or refuses test for drugs/alcohol 150 of the excess applies to Accidental Damage,Fire & Theft 250 of the excess applies to Accidental Damage,Fire & Theft 100 Fire,Theft & Malicious Damage excess applies - to delete F&T ADD 15.00 EXCLUDES drivers with a full licence for less than 1 year UNLESS NAMED EXCLUDES loss to contents other than permanent fixtures and fittings EXCLUDES loss or damage from use of cooking or heating appliances For Extra Benefits including car hire for proposers aged 35+ -ADD 4.77% For Extra Benefits ADD 5%. To include car hire for proposers aged 35+ -ADD 10%NO QUOTE If any driver is aged 81+ OR 60+ & full licence for less than 1 year Copy of DVLA letter required If licence restricted to under 3 yrs ADD 20%, if 3+ yrs ADD 15% 100 Fire & Theft excess applies Protected bonus policy available for approx 14.3% more & 50 excess on comp Lower premium available if personal cover restricted (ADTPFT only) NO QUOTE if vehicle not maunufactured in OR manufactured for the UK market The compulsory excess is for Accidental/Malicious Damage,Fire & Theft NO QUOTE if any driver commutes and does not park on private works car park Copy of current MOT Certificate required if applicable NO QUOTE if the disability has not been stable for 12+ months 200 excess applies if 5001+miles done, if 6001+miles the excess = miles - 5800 REFER to confirm the number of years NCB to apply Loss of use cover can be included (max 250.00) for an extra 16% 250 of the excess applies to Accidental Damage,Fire & Theft REDO if main driver/s on other car/s under 25, change "Other" to zero Protected bonus policy available for approximately 10% more For additional drivers UNDER 21 cover restricted to Third Party Fire & Theft Cover restricted to TPF&T for drivers UNDER 21 or prov licence holders NO QUOTE if ban ended in last 4 years Letter from employer re claim free record needed - otherwise NO QUOTE REFER to confirm the number of years NCB to apply Loss of use cover can be included (max 250.00) for an extra 3 points 250 of the excess applies to Accidental Damage,Fire & Theft ADD 2 points to the quote if the main driver/s of other car/s are under 25 Protected bonus policy available for approximately 11% more For additional drivers UNDER 21 cover restricted to Third Party Fire & Theft Cover restricted to TPF&T for drivers UNDER 21 or prov licence holders NO QUOTE if ban ended in last 4 years For windscreen cover ADD 20.00 NO QUOTE unless one of the drivers holds a full driving licence Assumed condition stable for 2 years & no history of Coma or Glycaemic attack LOWER premium available if policy restricted to Accidental Damage Fire & Theft200 Fire and Theft excess applies when not in a locked garage 250 Fire and Theft excess applies when not in a locked garage 300 Fire and Theft excess applies when not in a locked garage Proof of fitment and payment of TRACKER subscription required If previous cover was COMPREHENSIVE - 1.5% renewal discount allowed 350 Fire & Theft excess applies when not in a locked garage For windscreen cover ADD 20.00 For windscreen cover ADD 25.00 Bonus Protected policy available for +10% & 50 excess(Comp) / +15%(Non-Comp) Evidence required to support claim-free years on other car ELSE NO INTRO Assumes partners in long-term relationship & permanently reside together REDUCE introductory discount unless car with NCD is owned by spouse Assumed company car use ended within last 2 years ELSE REDUCE NCB 100 Fire & Theft excess applies NO QUOTE unless continuous insurance for last 2 years Assumed condition stable for 2 years & no history of Coma or Glycaemic attack NO QUOTE if 61+ units of insulin per day OR if 31+ units per day ADD 19% appr.Assumed no more than 1 attack,no disease/damage remains and no surgery needed 200 Fire & Theft excess applies EXCLUDES Driving other cars if licence restricted by vehicle type FIRE NOT INCLUDED if cooking or heating eqpt. & no appropriate extinguisher Assumes proposer gained Pass Plus in last 2 years, ELSE No Intro NO QUOTE if blood/alcohol level is 2 or more times over the legal limit Quote assumes proposer has lived at current address for at least 3+ years Quote assumes proposer has not previously been refused credit terms Copy of current MOT Certificate required Proof required of 2 yrs claim-free driving on parents policy ELSE REDUCE INTROProof required of 1 yrs claim-free driving on parents policy ELSE DELETE INTROQuote assumes no County Court Judgements For windscreen cover ADD 10.00 50 of the excess applies to Accidental Damage,Fire & Theft ADD 10% approximately for any driver cover NO QUOTE if employed in national media DEDUCT 15% if restricted to proposer and up to 3 NAMED drivers Bonus protected policy available for 10% more If business incepted before 1st July 1992, DEDUCT 9.09% Lower premiums available if personal cover restricted Assumed company car no longer available, but use finished within last 2 yrs NO QUOTE if Medical Condition manifested itself within last 6 months NO QUOTE if vehicle has been modified/adapted Assumes proposer or spouse has SDP use on another vehicle Assumes proposer or spouse still has access to company car with SDP use Mileage limited to 8000 miles per annum Excess reduced to 100 for drivers 25+, apply 600 if 17-20 & 400 if 21-24 Quote assumes that other vehicle is insured by the proposers spouse 100 Accidental/Malicious Damage,Fire & Theft excess applies 100 Fire & Theft excess applies Bonus Protected Policy available for 50.00 excess Mileage limited to 4000 miles per annum Mileage limited to 7999 miles per annum 100 Fire/M.D xs when ungaraged & 100 Theft xs unless BS:6803 alarm activated Quote to be rated on area applying to place of study This quote assumes additional young driver is only an occasional driver Bonus protected policy available for 12.5% more If this is the 3rd year to renew on a protected basis deduct 1.82% EXCLUDES Personal Effects when ungaraged unless BS:6803 alarm activated Quote assumes Pass Plus obtained within last 2 years - ELSE reduce NCB Driving other cars is limited to Social Domestic & Pleasure purposes only Driving instruction available if Eagle Star requirements are met Mileage limited to 5000 miles per annum Contact Eagle Star for reduced age discount for drivers aged 76+ NO QUOTE if vehicle imported into the EU by anyone other than the manufacturer Allows own business use by a nominated driver instead of proposer ADD 25.00 for each additional driver under 25 not entered Cover restricted to TPO unless fitted with approved immobiliser WARNING: Cover reduced to TPO if accident whilst under influence of alcohol EXCLUDES Personal Effects NO QUOTE UNLESS APPROVED ALARM/IMMOBILISER IS FITTED REFER if any accident involved a FATALITY The Fire & Theft excess is limited to 100 Sound reproduction systems limited to 10% of car value For windscreen cover ADD 15.00 NO QUOTE if any driver is a "Personality" in public life DRAKE Quote NO QUOTE if this is the main vehicle Quote assumes car owned & registered in insureds name An EXTRA 100 A&MD excess applies to all additional drivers Protected bonus policy available for 12.5% more + 50 excess Product Code 110 Product Code 210 NO QUOTE if any Epileptic attacks or any medication used in the last 10 years If Hypoglycaemic attack in last 3 years THEN: DELETE alarm discount unless proof of alarm/immobiliser obtained REFER if 60+ insulin units used daily OR ADD 25% if 40+ units needed Step-back NCD may apply Excess increased to 300.00 if annual mileage exceeds 10000 Documentary evidence of claim-free period required from previous insurer Protected bonus policy available for 10% more & 50 excess for comprehensive Letter/Declaration from insurer re claim free record needed - ELSE reduce NCB Increased excess applies when the alarm is not activated Mileage limited to 12500 miles per annum Mileage limited to 4000 miles per annum Mileage limited to 8000 miles per annum If any car part is unobtainable, the maximum liability is list price of part Policy is subject to "Intoxication Clause" REFER any modification that increases vehicles performance e.g. Engine change, modification, exhaust system, lowered suspension, etc. OR makes the vehicle more attractive to theft e.g. Spoilers, flared wheel arches, body skirts, alloy wheels, expensive stereos REFER if diabetes not stabilised REFER if amount of insulin changed by 20+ units in last 12 months REFER if not child epilepsy REFER vehicles imported from Japan which are not designed for the UK market Assumes drivers have experience driving vehicles of a similar type Mileage limited to 14000 miles per annum 100 minimum Fire,Theft & Malicious Damage excess applies All drivers to have full licence for 3 yrs and no accs/endts in last 3 yrs If no comp. car for 3+ months or was self emp/director/partner SEE GUIDE re IDQuote assumes all additional drivers no accidents/endorsements except 1 speed Otherwise no intro bonus Assumed last policy lapsed within last 3 months NO QUOTE If more than 1 windscreen claim in the last 2 years - 6.5% approx if other car in family is higher group & larger intro (LadyCar2)DEDUCT 6.5% approx if other car in family is higher group (LadyCar 2) REDO if not living together as partners for 1+ yrs, enter 0 for driver 2's REL5% discount available:EXCLUDES loss/damage if NOT in locked garage 10pm-8am Quote assumes client was on 4 yrs NCB before claim otherwise NO QUOTE REDUCE intro. unless car with NCB is insured by spouse If first vehicle not a private car REDUCE introductory discount. 100 Fire,Theft & Malicious Damage excess applies - to delete F&T ADD 15.00 100 of the compulsory excess applies to Accidental Damage,Fire & Theft For windscreen cover ADD 25.00 For each driver not entered, ADD 50% if age 17-20 or 12.5% if age 21-24 Protected bonus policy available for 12.5% (min 10.00) + 50 excess on comp 250 of the compulsory excess applies to Accidental Damage,Fire & Theft 100 Fire,Theft & Malicious Damage excess applies - to delete F&T ADD 12.00 150 of the compulsory excess applies to Accidental Damage,Fire & Theft Extra 200 xs if driver under influence of or refuses test for drugs/alcohol For windscreen cover ADD 20.00 NO QUOTE unless one of the drivers holds a full driving licence Assumed condition stable for 2 years & no history of Coma or Glycaemic attack LOWER premium available if policy restricted to Accidental Damage Fire & Theft200 Fire and Theft excess applies when not in a locked garage 250 Fire and Theft excess applies when not in a locked garage 300 Fire and Theft excess applies when not in a locked garage Proof of fitment and payment of TRACKER subscription required If previous cover was COMPREHENSIVE - 1.5% renewal discount allowed 350 Fire & Theft excess applies when not in a locked garage For windscreen cover ADD 20.00 For windscreen cover ADD 25.00 Bonus Protected policy available for +10% & 50 excess(Comp) / +15%(Non-Comp) Evidence required to support claim-free years on other car ELSE NO INTRO Assumes partners in long-term relationship & permanently reside together REDUCE introductory discount unless car with NCD is owned by spouse Assumed company car use ended within last 2 years ELSE REDUCE NCB 100 Theft excess applies For open type cars NO personal accident or contents cover applies This quote assumes additional young driver is only an occasional driver Otherwise REFER for load ADD 10.00 for "LAWCARE" uninsured loss recovery,vehicle recovery,legal advice For windscreen cover ADD 10.50 Quote assumes all drivers full licence 1+ year or Pass Plus OTHERWISE NO INTROPart commuting journeys are EXCLUDED REFER to company for multiple car discount TPO if car is normally left on waste ground,public house/hotel/public car parkQuote assumes additional driver/s no accidents in last 3 years Endorsements in last 5 years except 2 speeding Quote assumes addt drivers no accidents or endorsements except 2 speeding In last 5 years otherwise check guide Car Shield 50 ADD approximately 14% for any driver cover 100 Theft excess applies when not in a locked garage Protected bonus policy available for approximately 17.5% Protected bonus policy available for approximately 12.5% more REFER to company for possible 10% alarm discount Assumes windscreen claim not due to theft/attempted theft Assumes proposer has/had SOLE use of company car ELSE REDUCE INTRO Completed pro-forma re company car use MUST be submitted with proposal NO QUOTE IF ANY DRIVER HAS ANY CRIMINAL CONVICTIONS FOR DISHONESTY 100 Fire & Theft excess applies NO QUOTE if any driver is a well-known personality NO QUOTE if deafness is total Assumed no more than 1 attack,no disease/damage remains and no surgery needed Assumed condition stable for 2 years & no history of Coma or Glycaemic attack EXCLUDES Driving other cars if licence restricted by vehicle type Assumes proposer gained Pass Plus in last 2 years, ELSE No Intro REFER to confirm Accidental Damage excess - minimum possible quoted only REFER if annual mileage exceeds 20,000 REFER to company for multiple car discount The policy may be subject to a Theft excess Protected bonus policy available for 12.5% but must have Voluntary Excess Drivers UNDER 21 are subject to the warranted accompanied clause Assumed spouse lives at same address - if not REDO as standard occupation Provisional drivers are warranted accompanied by a qualified driver 25+ REFER 3+ additional under 25, if not entered ADD 50% if 17-20 or 25% if 21-24 Quote assumes additional drivers have no accidents/endorsements ELSE no intro Protected Bonus policy available for no extra charge Protected Bonus policy available with voluntary excess Bonus protected policy available for 20% more + 50 ADFT excess Use in connection with the motor trade is excluded Assumed condition stable for 2 yrs and no history of Coma or Glycaemic attack NO QUOTE if any driver is a well known personality IF licence held for less than 13 months - REDO but enter Provisional Use includes Insured and One Named driver only NO QUOTE if driver is a Professional Boxer If ban exceeded 2 years add a 4 point load - REFER if total is more than 30 Comprehensive cover only applies to drivers over 25 unless NAMED Proof of Immobiliser fitment MUST be sent with proposal,ELSE delete alarm discSigned declaration required giving reason why no No Claim Discount earned Second windscreen replacement in 12 months affects NCB Limited Mileage discount subject to mileage declaration and odometer reading Assumed to be an American vehicle Assumed to be an American vehicle; ADD 10% if 6501cc or more ADD 10% load if driver is Actor/Actress Assumed condition stable for 3 yrs and no history of Coma or Glycaemic attack If any previous policy voided due to non-disclosure of vehicle mods. ADD 10% If any previous policy voided due to non-disclosure of accs/convs, ADD 10% If any previous policy voided due to non-disclosure of accs/convs, ADD 25% NO QUOTE if Cosworth Body Kit fitted If driver is EU Resident - REDO as UK Resident 100 Theft & Malicious Damage excess applies EXCLUDES driving of other cars in connection with business Assumes young driver is an occasional driver only and can be shown to be so 500 Theft excess applies - To remove a Thatcham Category 1 or 2 alarm needed NO QUOTE if this vehicle is a four wheel drive or has off road capability Bonus protected policy available for 20% more + 50 ADFT excess Use in connection with the motor trade is excluded Assumed condition stable for 2 yrs and no history of Coma or Glycaemic attack NO QUOTE if any driver is a well known personality IF licence held for less than 13 months - REDO but enter Provisional Use includes Insured and One Named driver only NO QUOTE if driver is a Professional Boxer If ban exceeded 2 years add a 4 point load - REFER if total is more than 30 Comprehensive cover only applies to drivers over 25 unless NAMED Proof of Immobiliser fitment MUST be sent with proposal,ELSE delete alarm discSigned declaration required giving reason why no No Claim Discount earned Second windscreen replacement in 12 months affects NCB Limited Mileage discount subject to mileage declaration and odometer reading Assumed to be an American vehicle Assumed to be an American vehicle; ADD 10% if 6501cc or more ADD 10% load if driver is Actor/Actress Assumed condition stable for 3 yrs and no history of Coma or Glycaemic attack If any previous policy voided due to non-disclosure of vehicle mods. ADD 10% If any previous policy voided due to non-disclosure of accs/convs, ADD 10% If any previous policy voided due to non-disclosure of accs/convs, ADD 25% NO QUOTE if Cosworth Body Kit fitted If driver is EU Resident - REDO as UK Resident For windscreen cover ADD 15.00 (TPFT) or 20.00 (TPO) If full licence held for less than 1 month - REDO but enter as provisional Protected bonus policy available for 10% more + 50 excess Bonus protected policy available for 10% more For Windscreen cover ADD 15.00 Quote assumes forces personnel live in married quarters/private accommodation Quote assumes drivers occupation NOT involved in Racing type business Quote assumes drivers with Non-UK licences have driven regularly in the UK Quote assumes drivers occupation NOT involved in Nightclub / Private Club Quote assumes no connections with Professional Sport Quote assumes that Student is living at home WITH parents ELSE NO QUOTE NO QUOTE if vehicle has been imported from outside of the E.U. The Voluntary excess is for Accidental/Malicious Damage and/or Fire & Theft 200 Fire & Theft excess applies 100 Fire and Theft excess applies No cover for radios, cassettes, etc The compulsory excess is for Accidental/Malicious Damage and/or Fire & Theft EXCLUDES male drivers other than the proposers father A Self-Certification Medical Form is required for drivers aged 70+ Assumes husband/partner has a private car of his own or use of a company car 200 Fire and Theft excess applies NO QUOTE if vehicle is leased to somebody other than the proposer or spouse For windscreen cover ADD 7.59% Protected bonus policy available for 12.97% MORE 100 Theft & Malicious Damage excess applies when not in a locked garage NO QUOTE if vehicle is a "Ford Transit" NO QUOTE if vehicle is of American manufacture NO QUOTE if vehicle is a three-wheeler NO QUOTE if vehicle will be carrying Hazardous/Corrosive/Toxic/Explosive GoodsAssumed Diabetic condition stabilised for at least 12 months Assumed Heart condition stabilised for at least 12 months If vehicle is a "Ford Transit" proof of security must be sent with proposal If vehicle has been owned for more than one month REDUCE introductory bonus Bonus Protected Policy available for +10% (Minimum 15.00) # 100 Theft excess applies when not in a locked garage If more than 2 additional drivers UNDER 25 - REFER for possible terms Assumed NO FAULT CLAIMS on 2nd car & driver/s insured on 1st for NCB period REDUCE introductory discount unless car with NCB is insured by spouse Protected bonus policy available for approximately 12% more For an "Any Driver" policy ADD 10% If under 25`s have own car, redo without that driver, 17-20 +50%, 21-24 +25% This is an "Any Driver" policy, all drivers 30+ with a full licence 1+ years A "Company Car Bonus" discount declaration form must be completed NO QUOTE If any driver is age 81+ OR 60+ & full licence for less than 1 year If more than 2 windscreen claims then redo and include as claims If additional driver has a car insured in his name - reduce load to 25% Bonus protected policy available for 10% more NO QUOTE for all foreign registered vehicles If restricted to INSURED +3 NAMED drivers 25+ then reduce premium by approx 5%100 Fire & Theft excess applies NO QUOTE if additional driver/s are not either spouse or parents EXCLUDES loss/damage to fixtures/fittings unless vehicle damaged at same time REFER to confirm the NCD allowed For windscreen cover ADD 15.00 NO QUOTE if any additional regular driver is age 71+ NO QUOTE unless an audible alarm fitted & kept in a locked garage overnight Protected bonus policy available for 12.5% more Assumed Company car use ended within the last 2 years otherwise reduce NCB 100 Theft excess applies when not in a locked garage Quote assumes drivers have had experience driving vehicles of a similar type Quote assumes Pass Plus earned within last 2 years ELSE reduce NCB Audio limit of 500.00 NO QUOTE if proposer intends to stay in the UK for less than 1 year Quote includes free "Home Call Service" breakdown cover (within 1m of home) NO QUOTE if vehicle is "Grey Import" NOT ACCEPTABLE if used by an Association or Society Protected bonus policy available for 8% more Protected bonus policy available for 17.5% more PREMIUM MUST be paid by cash/cheque or credit card - No credit arrangements PROPOSER MUST have lived at their current address for at least 3 years For windscreen cover ADD 25.00 MUST NOT have any County Court Judgements / Sheriff Court Decrees in last 5 yrEXCLUDES driver/s age 70+ OR 60+ with provisional licence MUST NOT have any arrears on any mortgage or loan agreement in the last 5 yrs REFER if value of alloy wheels exceeds 25% of total vehicle value 100 Fire and Theft excess applies (excluding personal effects) GAN will handle all administration of adjustments and renewals Quote based on mileage entered - if mileage exceeded terms may be applied DEDUCT 2.5% if main driver is a Non-Smoker RE QUOTE and change to Named Drivers if driving restricted to Insured & One BASIC POLICY ONLY! Excludes GLASS,Audio,Effects & PA Benefits Cover limited to 350 on "non factory fitted" Car Radio/Cassette/CD Player Cover limited to 500 on "non factory fitted" Car Radio/Cassette/CD Player Details of first car insurer, policy number and NCD must be supplied Assumes young driver is occasional driver only & can be shown to be so NOT ACCEPTABLE if used by an Association or Society Protected bonus policy available for 10% more + 50 excess Protected bonus policy available for 20% more For windscreen cover ADD 10.00 Driving other vehicles restricted to three wheelers or motor cycles For windscreen cover ADD 25.00 Base on youngest driver if spouse has provisional licence & included on policyEXCLUDES driver/s age 70+ OR 60+ with provisional licence REFER if fine was more than 75.00 pounds REFER if value of alloy wheels exceeds 25% of total vehicle value 100 Fire and Theft excess applies (excluding personal effects) REFER unless student is an occasional driver only NO QUOTE if foreign registered vehicle Cover limited to 350 on Car Audio Equipment - EXCLUDES Navigation Equipment Cover limited to 500 on Car Audio Equipment - EXCLUDES Navigation Equipment NO QUOTE if vehicle is "Grey Import" NOT ACCEPTABLE if used by an Association or Society Protected bonus policy available for 8% more Protected bonus policy available for 17.5% more PREMIUM MUST be paid by cash/cheque or credit card - No credit arrangements PROPOSER MUST have lived at their current address for at least 3 years For windscreen cover ADD 25.00 MUST NOT have any County Court Judgements / Sheriff Court Decrees in last 5 yrEXCLUDES driver/s age 70+ OR 60+ with provisional licence MUST NOT have any arrears on any mortgage or loan agreement in the last 5 yrs REFER if value of alloy wheels exceeds 25% of total vehicle value 100 Fire and Theft excess applies (excluding personal effects) GAN will handle all administration of adjustments and renewals Quote based on mileage entered - if mileage exceeded terms may be applied DEDUCT 2.5% if main driver is a Non-Smoker RE QUOTE and change to Named Drivers if driving restricted to Insured & One BASIC POLICY ONLY! Excludes GLASS,Audio,Effects & PA Benefits Cover limited to 350 on "non factory fitted" Car Radio/Cassette/CD Player Cover limited to 500 on "non factory fitted" Car Radio/Cassette/CD Player Details of first car insurer, policy number and NCD must be supplied Protected bonus policy available for approximately 15% more For windscreen cover ADD 25.00 Personal effects cover excludes theft REFER to guide if 2 additional drivers under 25, if more NO QUOTE 100 Fire & Theft excess applies NO QUOTE if any driver has no permanent place of residence Assumes spouse has 4+ yrs NCB. If not REDO with NO NCB in "other" NCB questionProtected Bonus available for approximately 20% more + 50 excess on comp Assumes proposer had use of company car in last 2 yrs ELSE REDUCE INTRO BONUS Assumes c/law spouse permanently lives with insured ELSE REDUCE DRIVER DISC. Copy of registration or membership certificate for TRACKER/TRAKBAK required Quote assumes foreign licence is a full licence or equivalent Assumes c/law spouse permanently lives with insured ELSE NO QUOTE NO QUOTE if employed as CHEF Quote assumes it can be proved insured has experience driving group 12+ cars Assumes proposer has driven on spouses car ins. If not REDUCE to normal INTRO 100 Theft & Malicious Damage excess applies NO QUOTE if foreign registered vehicle Exclude cover for rugs Assumes young driver is occasional driver only & can be shown to be so 100 Theft excess applies EXCLUDES driver/s AGE 70+ or with prov lic if AGE 61+ or if held for 3+ yrs For windscreen cover ADD 20.00 Assumed no driver holds a provisional licence for 2+yrs ELSE NO INTRO Option rates EXCLUDES drivers under 21 : NAMED AND APPROVED all drivers aged 21-24 Guaranteed Bonus available for +15% Comp and +10% TPFT The excess is for Accidental/Malicious Damage and/or Theft For windscreen cover ADD 14.42 for 85.00 cover OR 24.04 for 150.00 cover 100 Fire & Theft excess applies - to delete this ADD 12.02 Bonus protected policy for 10% more or 150 excess on comp instead of load If the ban was for less than 3 months- REDO without the ban If proposer has use of more than 1 car base on young driver if rate is higher Otherwise no intro bonus Bonus protected policy available for 10% more To delete excess ADD 15.00 A discount of up to 10% may apply, depending on type of alarm A discount of 5% may apply, depending on type of alarm. Proof of NCD must accompany the new business documents Assumes drivers 65+ have been driving regularly in UK for last 2 years Bonus protected policy available for additional 50 AD excess NO QUOTE if value of any audio equipment exceeds 20% of the vehicles value Quote based upon mileage entered Additional Excess of 250 or 500 if mileage exceeds 5000 or 6000 per annum Assumes no driver has provisional Lic. for more than 5 yrs otherwise REFER REFER to confirm no load for accident/conviction Protected bonus policy available for approximately 15% more & 25 excess If engaged in a consultancy capacity restrict to SDP or add 33% to premium Additional discount of approx 2.6% available if alarm fitted by VSIB installer If driver with conviction has 5+ yrs NCB, DEDUCT 11.11% Quote assumes additional drivers no accidents or endorsements in last 5 years 100 Fire,Theft & Malicious Damage excess minimum when not in a locked garage Protected bonus policy available for approximately 12.5% more Bonus protected policy available for 7.5% more If any drivers under 25 not entered, see Guide for extra load / REFER REFER if more than two additional drivers under 25 For windscreen cover ADD 20.00 See guide for possible increase in driving discount re 2nd car Assumed proposer known to Cornhill for as long as full lic held (Up to 5 yrs) Otherwise no intro bonus 250 Fire,Theft & Malicious damage excess applies when not in a locked garage Proof of I.A.M. qualification required Mileage limited to 4000 miles per annum Mileage limited to 8000 miles per annum A 10% discount is also available off your existing single vehicle policy Mileage limited to 6000 miles per annum Vehicle mileage MUST be provided at inception and substitutions "GOLD RAC" option available for +39.00 - contact Norwich Union for details Assumed company car use ended within the last 3 years OTHERWISE REDUCE NCB Additional 10% discount available if home also insured with Norwich Union Allows 2 additional named drivers plus spouse Proof of fitting for NU Approved Security Device required else TPO cover only If mileage limit exceeded a higher excess will apply This quote assumes additional young driver is only an occasional driver Assumed alarm fitted prior to 31 May 1994, else NO alarm discount The compulsory excess is for Accidental/Malicious Damage,Fire & Theft NO QUOTE if alcohol level exceeded 100 per 100ml blood OR 134 per 100ml urine REFER unless vehicle is Imported or Ex Ministry of Defence Assumes alcohol level did not exceed 100(blood), 134 (urine) or 44(breath) If alcohol level exceeded these values REFER TO COMPANY for increased loads Proof of fitting for NU Approved Security Device required ELSE NO ALARM DISC. PROPOSER IS NOT OWNER/KEEPER, REFER TO COMPANY FOR ACCEPTANCE 350 of the comp excess applies to Accidental/Malicious Damage,Fire & Theft Both policies must be in the same name Commuting to & from work must be EXCLUDED otherwise NO QUOTE ADD 20% for each driver not entered ex. spouse if full licence less than 1yr If driver (except spouse) has not held a full licence for 1+ yrs- NO QUOTE The main driver assumed to have worse record than any other additional driver 100 Fire & Theft excess applies EXCLUDES single males under 25 NO QUOTE If any driver is aged 50+ with full licence for less than 1 year NO QUOTE if surgery was required for the heart condition NO QUOTE if totally deaf NO QUOTE if more than one bypass operation carried out EXCLUDES Driving other cars if licence restricted by vehicle type Assumed condition stable for 2 years & no history of Coma or Glycaemic attack Assumed no more than 1 attack,no disease/damage remains and no surgery needed Assumes proposer gained Pass Plus in last 2 years, ELSE No Intro EXCLUDES theft of sound reproduction equipment Quote assumes regular driving in last 12 months in UK - ELSE NO INTRO BONUS For extra discount re motor cycle bonus REFER ADD 15% for hatchback/estate cars Protected bonus policy available for 12.5% more (min 15.00) The voluntary excess applies to Accidental Damage,Fire & Theft 50 of the excess applies to Accidental Damage,Fire & Theft 50 of the excess applies to Fire & Theft only 100 Fire & Theft excess applies 50 Fire & Theft excess applies EXCLUDES all drivers with prov licence for more than 2 yrs other than spouse 75 of the excess applies to Accidental Damage,Fire and Theft 75 of the excess applies to Fire and Theft only 150 Fire & Theft excess applies 50 of the compulsory excess applies to Accidental Damage only Mileage limited to 7500 miles per annum EXCLUDES Continental Cover for drivers under 21 DELETE the alarm discount if device fitted as standard by the manufacturer NO QUOTE if car imported to this country by anyone other than the manufacturer *** NO QUOTE UNLESS VEHICLE IS RUNNING ON DIESEL OR UNLEADED FUEL *** NO QUOTE if no previous insurance and car purchased prior to this insurance NO QUOTE if driver is member of Royal Navy/Marines Cover restricted to TPF&T for young driver 30% EXTRA is required if engaged in external work EXCLUDES driver/s age 76+ or with prov lic if age 55+ or if held for 3+ yrs EXCLUDES driver/s age 76+ and provisional licence holders Bonus protected policy available for 10% more Protected bonus policy available for 10% more & 50 excess for comprehensive Quote only applies if ban ended 5 or more years ago This quote assumes additional young driver is only an occasional driver Quote assumes additional drivers have no accidents/endorsements ELSE NO INTRO NO QUOTE unless deafness is only partial REFER if Mid Term Cover Increase EXCLUDES loss or liability from use of cooking or heating equipment For windscreen cover ADD 25.00 Assumes you are the holding broker. If not reduce NCB to 60% Quote assumes all additional drivers have no accidents or endorsements Protected bonus policy available for 15% more & 50 ADF+T excess Assumes no commuting to area D/4 or higher ADD 14.28% if either employment or address has changed in last 3 years 100 Fire & Theft excess applies Assumed condition stable for 2 years & no history of Coma or Glycaemic attack NO QUOTE if 60+ units insulin per day or if 30+ units per day ADD 53% approx Additional drivers UNDER 21 cover restricted to Third Party Fire & Theft The voluntary excess is for Accidental Damage,Fire and Theft REFER if disability diagnosed within last 6 months NO QUOTE if car imported to this country by anyone other than the manufacturerDriving Other Cars cover available for additional 35.00 If vehicle has been owned for 12 months or more allow additional 5% discount 200 of the compulsory excess is for Accidental Damage,Fire and Theft 250 of the compulsory excess is for Accidental Damage,Fire & Theft Mileage limited to 3000 miles per annum Mileage limited to 5000 miles per annum Mileage limited to 7500 miles per annum NO QUOTE if less than 4 yrs driving experience on another car - proof required Bonus Protected policy available for 15% more and 50 ADFT excess NO QUOTE if vehicle will be carrying Hazardous or Toxic goods Use restricted to carriage of goods within 100 mile radius of vehicles base REFER if drivers disability diagnosed within the last 6 months Use restricted to hire and reward within 100 mile radius of vehicles base If restricted to INSURED +3 NAMED drivers 25+ then reduce premium by approx 5%100.00 Fire & Theft excess applies NO QUOTE if additional driver/s are not either spouse or parents Additional 15% disc. available if insured warrants NEVER to carry passengers NO QUOTE if dealer/merchant is of no fixed abode Quote assumes driver holds correct type of licence for this motorcycle Proof of BMF qualification required Theft cover from home address will only apply when motorcycle is garaged If restricted to INSURED +3 NAMED drivers 25+ then reduce premium by approx 5%100 Fire & Theft excess applies NO QUOTE if additional driver/s are not either spouse or parents NO QUOTE if any driver is age 80+ or 60+ & full licence for less than 1 yr If more than 2 windscreen claims then redo and include as claims If additional driver has a car insured in his name - reduce load to 25% Bonus Protected policy available for 10% more NO QUOTE for all foreign registered vehicles If restricted to INSURED +3 NAMED drivers 25+ then reduce premium by approx 5%100 Fire & Theft excess applies NO QUOTE if additional driver/s are not either spouse or parents REFER if the additional driver is OR appears to be the main user REFER if more than one additional driver UNDER 21 NAMED AND APPROVED DRIVERS ONLY.Allows up to 1 additional driver. NO QUOTE if used in connection with group activities E.G. Scouts Bonus protected policy available for 15% more Protected bonus policy available for 17.5% approx Lower premium available on special policy,if restricted to 2 additional driverProtected bonus policy available for 17.5% approx Assumes young driver is occasional driver only & can be shown to be so If additional driver has a car insured in his name, redo with 1 in question 8 Protected bonus policy available for a 50.00 excess and 14.3% more If any driver cover is imperative REFER to confirm Terms / Acceptability 100 Fire,Theft & Malicious excess when ungaraged unless a BS:6803 alarm fittedThe compulsory excess is for Accidental/Malicious Damage and/or Fire & Theft 75 of the excess is for Accidental Damage, Fire and Theft 150 of the excess is for Accidental Damage, Fire and Theft 200 of the excess is for Accidental Damage, Fire and Theft ADD 25% unless has use of additional vehicle(s) for business purposes ADD 40% unless has use of additional vehicle(s) for business purposes Quote assumes a 60% NCB was earned in the previous year and can be proved For windscreen cover ADD 15.00 Additional drivers no claims in 3 years & full licence for 5+ years NO QUOTE unless evidence of continuous insurance & no gap in cover is apparentOption rates Protected bonus policy available for 10% more + 35 excess on comprehensive NOT VALID unless the car is owned and registered by the insured or spouse Quote to be based on previous occupation Protected bonus policy +15% Comp & 50.00 excess / +10% Non-Comp Lady drivers policy REFER if single vehicle accident .e.g. skid off road For each driver not entered (except spouse) ADD 25-29 +10% & 30-65 +5% For each driver not entered ADD 17-39 +12.5% & 40-65 +5% For each driver not entered ADD 17-19 +60%, 20-22 +50% & 23-24 +30% All drivers to have a full licence for the number of yrs bonus given A copy of all drivers licences required BEFORE intro bonus cover is given Otherwise no intro bonus NO QUOTE if any male driver under 40 OR more than 1 male driver over 40 NO QUOTE if any driver resides on licensed premises Policy restricted to 7500 miles: ADD approx 8.1% for unlimited mileage For each driver not entered (except spouse) ADD +5% Q REGISTERED,UNOFFICIAL/GREY IMPORTS,FOREIGN REGISTERED CARS ARE UNACCEPTABLE For windscreen cover ADD 20.00 NO QUOTE unless one of the drivers holds a full driving licence Assumed condition stable for 2 years & no history of Coma or Glycaemic attack LOWER premium available if policy restricted to Accidental Damage Fire & Theft200 Fire and Theft excess applies when not in a locked garage 250 Fire and Theft excess applies when not in a locked garage 300 Fire and Theft excess applies when not in a locked garage Proof of fitment and payment of TRACKER subscription required If previous cover was COMPREHENSIVE - 1.5% renewal discount allowed 350 Fire & Theft excess applies when not in a locked garage For windscreen cover ADD 20.00 For windscreen cover ADD 25.00 Bonus Protected policy available for +10% & 50 excess(Comp) / +15%(Non-Comp) Evidence required to support claim-free years on other car ELSE NO INTRO Assumes partners in long-term relationship & permanently reside together REDUCE introductory discount unless car with NCD is owned by spouse Assumed company car use ended within last 2 years ELSE REDUCE NCB NO QUOTE if employed as CHEF Quote assumes it can be proved insured has experience driving group 13+ cars Assumes insured has driven on spouses car ins. If not REDUCE to normal INTRO 100 Theft & Malicious Damage excess applies NO QUOTE if foreign registered vehicle Exclude cover for rugs Assumes young driver is occasional driver only & can be shown to be so 100 Theft excess applies EXCLUDES driver/s AGE 76+ or with prov lic if AGE 61+ or if held for 3+yrs For windscreen cover ADD 20.00 Assumes no driver holds a provisional licence for 2+yrs ELSE NO INTRO Bonus protected policy available for 10% more 100 Theft & Malicious Damage excess applies when not in a locked garage NO QUOTE if value of audio equipment exceeds 250 250 of the compulsory excess is for Accidental Damage,Fire & Theft REFER to confirm approved immobilisers An approved immobiliser MUST be fitted else NO QUOTE 100 Theft excess if ungaraged and no immobiliser or BS:6803 alarm fitted Driving other cars is at the underwriter's discretion Theft of radio excluded Assumes young driver is occasional driver only & can be shown to be so To include business use for spouse ADD 10% Renewal discount given,but not available if policy was lapsed Protected bonus policy available for 15% more plus 50 excess Deduct 10% if mileage is less than 8,000 per annum Quote "not valid" unless client can prove 4+yrs claim free driving company car10% discount if engine immobiliser fitted If no bonus earned since ban reduce to nil no claims bonus NO QUOTE unless you have a named driver aged 25+ with full licence for 3+ yearFor windscreen cover ADD 35.00 NO QUOTE if less than 4 yrs driving experience on another car - proof required NO QUOTE if originally registered outside the U.K. or if 'Q' reg. letter 150 Fire,Theft and Malicious Damage excess applies 250 Fire,Theft and Malicious Damage excess applies Warranted an efficient fire extinguisher be carried at all times Lower premium available if drivers restricted to parents only If car is estate, hatchback or utility vehicle REDO, but enter business use Hire car cover available at 20.00 or 30.00 - for details SEE GUIDE EXCLUDES driver/s age 70+ or with prov lic. if age 50+ or if held for 2+yrs Except 1st additional driver, if under 25 ADD 15% OR if under 21 ADD 25% each ADD 30% if business mileage exceeds 5000 per annum REFER if over 15000 REFER if business mileage exceeds 15000 per annum Protected bonus policy available for 10% more & 50 excess (minimum 15.00) Bonus protected policy available for 10% more (minimum 15.00) 50 of the excess applies to Accidental Damage, Fire & Theft 100 of the excess applies to Accidental Damage , Fire & Theft 150 of the excess applies to Accidental Damage , Fire & Theft No cover applies in respect of fixtures and fittings Proposer qualifies for 30% intro bonus - REFER to confirm The voluntary excess applies to Accidental/Malicious Damage,Fire and Theft. EXCLUDES theft of sound reproduction equipment Quote is SUBJECT TO RAC membership For windscreen cover ADD 15.00 Quote assumes regular driving in last 12 months in U.K. else no Intro. bonus For extra discount re motor cycle bonus REFER ADD 15% for hatchbacks/estate cars Protected bonus policy available for 12.5% more (min 12.50) The voluntary excess applies to Accidental Damage,Fire & Theft Bonus protected policy available for 15% more 50 of the excess applies to Accidental Damage,Fire & Theft 50 of the excess applies to Fire & Theft only 100 Fire & Theft excess applies 50 Theft excess applies when not garaged unless a BS:6803 alarm is fitted 100 Theft excess applies when not garaged unless a BS:6803 alarm is fitted 75 of the excess applies to Accidental Damage,Fire and Theft. 75 of the excess applies to Fire and Theft only 100 Theft excess applies when alarm not activated Addt drivers no fault accs in last 3 yrs or endts in last 5 except 1 speeding Additional 100 Fire and Theft excess applies for additional driver/s under 21 Protected bonus policy available for +15% & 50 ADF+T excess (min 10.00) 250 of the compulsory excess is for Accidental Damage,Fire & Theft 350 of the compulsory excess is for Accidental Damage,Fire & Theft 50 of the compulsory excess is for Accidental Damage,Fire & Theft For windscreen cover ADD 25.00 +5.25% if under 30 ELSE +11.11% - if NOT working from one permanent workplace EXCLUDES loss or damage from use of cooking or heating appliances 100 of the compulsory excess is for Accidental Damage,Fire & Theft 150 of the compulsory excess is for Accidental Damage,Fire & Theft NO QUOTE if any driver has NOT held a full licence for 6 months minimum Protected Bonus Policy available for +15% (min 10.00) REFER drivers aged 75+ OR 65+ with full licence under 1 year REFER where young driver is not the main user Annual self-declaration of fitness to drive required for Diabetic driver(s) The voluntary excess is a Fire and Theft excess only REFER if disability diagnosed within last 6 months NO QUOTE if less than 4 yrs driving experience on another car - proof required Theft of radio excluded Audio cover limited to 250.00 (350.00 if fitted as standard) Audio cover limited to 150.00 Subject to Warranted Alarm/Anti-theft Device clause Protected bonus policy available for 5% more and 50 Accidental Damage excess 150 of the excess applies to Accidental Damage,Fire & Theft 250 of the excess applies to Accidental Damage,Fire & Theft 100 Minimum Fire and Theft excess applies 500 of the excess applies to Accidental Damage,Fire & Theft Cover only applies if alarm enabled when vehicle left unattended REFER if the vehicle is not an automatic REFER unless vehicle is modified or adapted for medical condition Assumes driving licence is unrestricted (restricted to automatics only is OK) NO QUOTE if a death has resulted from any incident leading to a conviction Assumes car with NCB insd by spouse and driving by I&S only -ELSE REDUCE INTRONO QUOTE unless medical condition has been stabilised for at least 6 months 100 Fire & Theft excess applies An extra 100 Fire & Theft excess applies The last companies NCB percentage (up to 60%) can be given If self employed ADD 30% for use Protected bonus policy available for 10% more & 50 excess for comprehensive 100 Fire & Theft excess applies For windscreen cover ADD 20.00 Warranted an efficient fire extinguisher be carried at all times The above is a THEFT excess also If additional driver is female & all details are OK - deduct 7 points To change the Vol excess to Fire & Theft ADD 25 to 75 & 50 for both 100 + 150 Subject to accessories clause Details of where driving tuition obtained & who will accompany them is needed Additional driver/s must be parents only otherwise DEDUCT driving discount REFER to CL. for possible terms Quote assumes additional drivers have no accidents/endorsements ELSE NO INTRO 100 Fire & Theft excess applies For windscreen cover ADD 15.00 Warranted an efficient fire extinguisher be carried at all times This quote assumes additional young driver is only an occasional driver For extra introductory bonus re additional car REFER Protected bonus policy available for 10% more & 50 excess for comprehensive If estate or dual purpose vehicle, enquiries re actual use must be made Assumes no commuting to area D/4 or higher If additional driver is a female 21+ then DEDUCT approx 14.3% If driver/s licence held for LESS THAN 6 MONTH ADD 17.65% All drivers to have a full licence for the number of yrs bonus given And assumed husbands bonus mentioned & no children 14+ - ELSE REDUCE TO INTRO Declaration re limited mileage may be required NO QUOTE if any male driver does not have use of own or company car NO QUOTE if the vehicle used by the male driver is a van Both drivers must have been insured to drive for the number of years NCB givenEvidence from DVLC that the disabled person has unrestricted licence The vehicle must be an automatic NO QUOTE if the Diabetic condition has not been stable for at least 1 year The Diabetic clause will apply NO QUOTE if daily insulin units exceed 80 mg REDUCE intro if other vehicle is a van Extra benefits of Gold policy available for +3.09% more Assumes young driver is occasional driver only & can be shown to be so Quote assumes no more than 2 additional drivers UNDER 25 otherwise REFER Protected bonus for +13% on a named driver only basis EXCLUDES cover on radio telephones, ADD 5% for cover up to £2000 EXCLUDES theft of sound reproduction equipment NO QUOTE if any driver is a citizen of the USA Proof of minimum 3 years NCB earned on spouses current policy NO QUOTE if Antique Dealer does not have shop premises NO QUOTE if provisional driver has failed more than 4 driving tests Mileage limited to 5000 miles per annum NO QUOTE if the Diabetic condition has not been stable for at least 2 years Mileage limited to 7000 miles per annum Mileage limited to 9000 miles per annum NO QUOTE if vehicle is "Grey Import" NOT ACCEPTABLE if used by an Association or Society Protected bonus policy available for 8% more Protected bonus policy available for 17.5% more PREMIUM MUST be paid by cash/cheque or credit card - No credit arrangements PROPOSER MUST have lived at their current address for at least 3 years For windscreen cover ADD 25.00 MUST NOT have any County Court Judgements / Sheriff Court Decrees in last 5 yrEXCLUDES driver/s age 70+ OR 60+ with provisional licence MUST NOT have any arrears on any mortgage or loan agreement in the last 5 yrs REFER if value of alloy wheels exceeds 25% of total vehicle value 100 Fire and Theft excess applies (excluding personal effects) GAN will handle all administration of adjustments and renewals Quote based on mileage entered - if mileage exceeded terms may be applied DEDUCT 2.5% if main driver is a Non-Smoker RE QUOTE and change to Named Drivers if driving restricted to Insured & One BASIC POLICY ONLY! Excludes GLASS,Audio,Effects & PA Benefits Cover limited to 350 on "non factory fitted" Car Radio/Cassette/CD Player Cover limited to 500 on "non factory fitted" Car Radio/Cassette/CD Player Details of first car insurer, policy number and NCD must be supplied For windscreen cover ADD 15.00 Audio cover limited to 250.00 (350.00 if fitted as standard) NEW BUSINESS ONLY - previous policies cannot be renewed Audio cover limited to 150.00 REFER if the vehicle is not an automatic Allows own business use by a nominated driver instead of proposer 100.00 of the compulsory excess is for Accidental Damage,Fire & Theft 200.00 of the compulsory excess is for Accidental Damage,Fire & Theft REFER unless vehicle is modified or adapted for medical condition Assumes driving licence is unrestricted (restricted to Automatics only is OK) REFER if increased cover is required on proposed vehicle Policy restricted to 8000 miles; ADD 17.65% to remove limit Subject to Warranted Alarm/Anti-theft Device clause 300 of the compulsory excess is Accidental Damage,Fire & Theft If cover date NOT date of vehicle purchase, Written details of interim ins. arrangements must be included in proposal formADD 15.00 to reinstate cover on SAME vehicle Protected Bonus Policy available for 10% more + 100 AD excess on ComprehensiveMileage declaration by policyholder required EXCLUDES loss or damage to accessories and spare parts NO QUOTE unless medical condition has been stabilised for at least 6 months For windscreen cover ADD 10.00 50 of the excess applies to Accidental Damage,Fire & Theft ADD 10% approximately for any driver cover NO QUOTE if employed in national media DEDUCT 15% if restricted to proposer and up to 3 NAMED drivers Bonus protected policy available for 10% more If business incepted before 1st July 1992, DEDUCT 9.09% Lower premiums available if personal cover restricted Assumed company car no longer available, but use finished within last 2 yrs NO QUOTE if Medical Condition manifested itself within last 6 months NO QUOTE if vehicle has been modified/adapted Assumes proposer or spouse has SDP use on another vehicle Assumes proposer or spouse still has access to company car with SDP use Mileage limited to 8000 miles per annum Excess reduced to 100 for drivers 25+, apply 600 if 17-20 & 400 if 21-24 Quote assumes that other vehicle is insured by the proposers spouse 100 Accidental/Malicious Damage,Fire & Theft excess applies 100 Fire & Theft excess applies Bonus Protected Policy available for 50.00 excess Mileage limited to 4000 miles per annum Mileage limited to 7999 miles per annum Assumes young driver is occasional driver only & can be shown to be so Drivers aged 70+ require a health declaration PEN SCHEME NO QUOTE unless vehicle fitted with immobilising device recognised by Swan Enhanced NCB StepBack is subject to a minimum of 2 yrs NCB having been earned Prior to a claim occurring in the preceding 12 months, PROOF MUST BE PROVIDED 50 Fire and Theft excess applies Allows one more driver 21-24, ADD 50% IF licence held for less than 6 months - REDO but enter Provisional Driver's aged 61+ to have full licence and aged 71+ full licence 3+ year ADD 20% if previously associated with The Building and Allied Trades Bonus protected policy available for 10% more REFER if any history of Glaecemic Attack REFER if 70+ insulin units per day,ADD 25% & 100 excess if 50-70 units per day REFER if driver/s resident in UK for less than 9 years unless full lic 3+ yrs Protected bonus policy +12.5% - NO driver under 25 OR full lic under 1 year Load 25% for each additional driver under 25 except first ADD 20.00 for each additional driver under 21 except first Quote assumes regular driving in last 12 months in UK - ELSE NO INTRO BONUS If business use exceeds 5000 miles a year ADD 25% use load Quote assumes client working on hospital premises only otherwise ADD 17.65% Warranted Approved Immobiliser fitted - Certificate of Fitting required NO QUOTE UNLESS APPROVED ALARM/IMMOBILISER IS FITTED Assumes proposer has had use of a company car within last 12 months 100 Fire & Theft excess applies Driver's aged 61+ to have full licence AND aged 71+ full licence 3+ year DEDUCT 10% policy restricted to insured + 2 named drivers all 25+ Assumes young driver is an occasional driver only and can be shown to be so EXCLUDES cover for car phones Cover limited to £300 on car radio and audio equipment ADD 15% if more than 60 units of insulin injected each day Protected bonus policy available for approximately 12.5% more Lady drivers policy Assumed proposer no longer with company - ELSE REDUCE INTRO BONUS COMPREHENSIVE COVER APPLIES - NOT T.P.F.T - NO PREMIUM ADVANTAGE If mileage exceeds 3000 per annum an additional 100 Damage Excess applies Assumes main driver uses car for commuting, if not REDO with commuter as MAIN Quote assumes car with NCD is owned by spouse - ELSE REDUCE INTRO If mileage exceeds 6000 per annum an additional 100 Damage Excess applies If mileage exceeds 12000 per annum an additional 100 Damage Excess applies If mileage exceeds 15000 per annum an additional 100 Damage Excess applies NO INTRO IS ALLOWED if car purchased more than 7 days before cover start date If mileage exceeds 10000 miles p.a. an additional 300.00 Damage Excess applies NO QUOTE if vehicle is "Grey Import" NOT ACCEPTABLE if used by an Association or Society Protected bonus policy available for 8% more Protected bonus policy available for 17.5% more PREMIUM MUST be paid by cash/cheque or credit card - No credit arrangements PROPOSER MUST have lived at their current address for at least 3 years For windscreen cover ADD 25.00 MUST NOT have any County Court Judgements / Sheriff Court Decrees in last 5 yrEXCLUDES driver/s age 70+ OR 60+ with provisional licence MUST NOT have any arrears on any mortgage or loan agreement in the last 5 yrs REFER if value of alloy wheels exceeds 25% of total vehicle value 100 Fire and Theft excess applies (excluding personal effects) GAN will handle all administration of adjustments and renewals Quote based on mileage entered - if mileage exceeded terms may be applied DEDUCT 2.5% if main driver is a Non-Smoker RE QUOTE and change to Named Drivers if driving restricted to Insured & One BASIC POLICY ONLY! Excludes GLASS,Audio,Effects & PA Benefits Cover limited to 350 on "non factory fitted" Car Radio/Cassette/CD Player Cover limited to 500 on "non factory fitted" Car Radio/Cassette/CD Player Details of first car insurer, policy number and NCD must be supplied REFER if driver/s resident in UK for less than 9 years unless full lic 3+ yrs Protected bonus policy +12.5% - NO driver under 25 OR full lic under 1 year Load 25% for each additional driver under 25 except first ADD 20.00 for each additional driver under 21 except first Quote assumes regular driving in last 12 months in UK - ELSE NO INTRO BONUS If business use exceeds 5000 miles a year ADD 25% use load Quote assumes client working on hospital premises only otherwise ADD 17.65% Warranted Approved Immobiliser fitted - Certificate of Fitting required NO QUOTE UNLESS APPROVED ALARM/IMMOBILISER IS FITTED Assumes proposer has had use of a company car within last 12 months ADD 30% if goods/tools are often carried Assumes no commuting to area D/4 or higher Protected bonus policy available +10% (COMP min 15.00 NON-COMP min 10.00) Lower premium available on special policy if restricted to 2 additional driverThis quote assumes additional young driver is only an occasional driver A copy of all drivers licences must be obtained BEFORE cover is given Up to 50% introductory discount may be available - refer to confirm 200 Theft excess applies Assumed Diabetic condition stabilised for at least 12 months Assumed Heart condition stabilised for at least 12 months Cover restricted to SDP ONLY while son/daughter is driving NO QUOTE unless vehicle is newly purchased Cover reduced to "Road Traffic Act" if accident incurring similar DR conv. Quote presumes all drivers are non smokers - ELSE add approximately 2% If first vehicle not a private car REDUCE introductory bonus If vehicle has been owned for more than one month REDUCE introductory bonus EXCLUDES car phone : Cover available if permanantly fitted @ 5.00 per 1% valueQuote is subject to satisfactory engineers report EXCLUDES uprated stereo system : 500 cover available for additional 25.00 REFER if driver/s born outside UK or of foreign extraction Theft of radio excluded 2.00 Discount available on proof of registration number on windows Assumes young driver is occasional driver only & can be shown to be so Protected Bonus policy available for 20%, minimum 25.00 Ungaraged Exclusions - Frost damage, theft of accessories 100 Fire & Theft excess applies A loading may be required for business use of more than 10,000 miles per year REFER if any windscreen claim is theft related Assumes diabetic condition stabilised for at least 24 months 500 Fire & Theft excess applies 100 Fire & Theft excess applies 250 Fire & Theft excess applies 350 Fire & Theft excess applies NO QUOTE if van is a pick-up NO QUOTE if foreign registered vehicle IF licence held for less than 6 months - REDO but enter Provisional NO QUOTE if any driver is a well known personality DELETE INTRO if any loss by fire or theft in last 2yrs - EVEN IF NO CLAIM MADEMaximum cover for loss/damage to permanently fitted audio equipment is 150.00 Protected Bonus policy available for +15% & 50 Excess NO QUOTE unless all drivers have held a full UK licence for 6 months Enter residence as "5" for any UK resident working abroad for up to 5 years NO QUOTE unless proposer/main user is total abstainer (non drinker) 100 Fire & Theft excess applies Maximum 500 cover for audio equipment unless standard and factory fitted For windscreen cover ADD 20.00 ADD 11.11% If any driver under 25 on any policy with this company Assumed Son or Daughter of a policy holder of this company ELSE NO INTRO Protected bonus policy available for approximately 12.5% more Assumed Son or Daughter of a policy holder of this company ELSE REDUCE INTRO 100 Fire & Theft excess applies Theft of radio excluded Alarm must be activated, immobilisers must be used with krook lock type deviceProtected bonus policy available for approx 12.5% more REFER if any provisional licence holder is 50+ or more than one on policy NO QUOTE if vehicle will be carrying Explosive or Dangerous goods NO QUOTE if the vehicle is a three-wheeler Protected bonus policy available for 10% more & 50 excess on comprehensive NO QUOTE if Landscape Gardener has not been in present job for 2 years or moreDocumentary evidence of claim free period required from previous insurer NO QUOTE if foreign use is a regular feature of the insured's occupation REFER if the vehicle has more than 4 wheels or the maximum speed exceeds 15mph REQUOTE entering Class 3 use unless another car is used for business purposes 100 Theft excess applies PLUS 100 Malicious Damage excess on Comprehensive NO QUOTE if any accident was due to disability Exclude cover for rugs Assumes young driver is occasional driver only & can be shown to be so 100 Theft excess applies For windscreen cover ADD 20.00 EXCLUDES drivers aged 75+ AND drivers aged 60+ with a provisional licence Assumed no driver holds a provisional licence for 2+yrs ELSE NO INTRO EXCLUDES drivers under 21 : NAMED AND APPROVED all drivers aged 21-24 Guaranteed Bonus available for +15% Comp and +10% TPFT Careful Driver Benefits included 150 Fire/Theft excess applies PLUS 150 Malicious Damage excess on Comp. 200 Fire/Theft excess applies PLUS 200 Malicious Damage excess on Comp. 250 Fire/Theft excess applies PLUS 250 Malicious Damage excess on Comp. 300 Fire/Theft excess applies PLUS 300 Malicious Damage excess on Comp. 350 Fire/Theft excess applies PLUS 350 Malicious Damage excess on Comp. 400 Fire/Theft excess applies PLUS 400 Malicious Damage excess on Comp. Assumes young driver is occasional driver only & can be shown to be so Protected bonus available, Comprehensive + 18.75%, Renewals & TPF+T + 12.5% MUST include driver with full license for 3+ years to accompany provisionals If additional driver/s under 24 have own car/s then deduct 4.75% Quote to be based on previous occupation Protected bonus policy +15% Comp & 50.00 excess / +10% Non-Comp Lady drivers policy REFER if single vehicle accident .e.g. skid off road For each driver not entered (except spouse) ADD 25-29 +10% & 30-65 +5% For each driver not entered ADD 17-39 +12.5% & 40-65 +5% For each driver not entered ADD 17-19 +60%, 20-22 +50% & 23-24 +30% All drivers to have a full licence for the number of yrs bonus given A copy of all drivers licences required BEFORE intro bonus cover is given Otherwise no intro bonus NO QUOTE if any male driver under 40 OR more than 1 male driver over 40 NO QUOTE if any driver resides on licensed premises Policy restricted to 7500 miles: ADD approx 8.1% for unlimited mileage For each driver not entered (except spouse) ADD +5% Q REGISTERED,UNOFFICIAL/GREY IMPORTS,FOREIGN REGISTERED CARS ARE UNACCEPTABLE Mileage limited to 4000 miles per annum Mileage limited to 8000 miles per annum A 10% discount is also available off your existing single vehicle policy Mileage limited to 6000 miles per annum Vehicle mileage MUST be provided at inception and substitutions "GOLD RAC" option available for +39.00 - contact Norwich Union for details Assumed company car use ended within the last 3 years OTHERWISE REDUCE NCB Additional 10% discount available if home also insured with Norwich Union Allows 2 additional named drivers plus spouse Proof of fitting for NU Approved Security Device required else TPO cover only If mileage limit exceeded a higher excess will apply This quote assumes additional young driver is only an occasional driver Assumed alarm fitted prior to 31 May 1994, else NO alarm discount The compulsory excess is for Accidental/Malicious Damage,Fire & Theft NO QUOTE if alcohol level exceeded 100 per 100ml blood OR 134 per 100ml urine REFER unless vehicle is Imported or Ex Ministry of Defence Assumes alcohol level did not exceed 100(blood), 134 (urine) or 44(breath) If alcohol level exceeded these values REFER TO COMPANY for increased loads Proof of fitting for NU Approved Security Device required ELSE NO ALARM DISC. PROPOSER IS NOT OWNER/KEEPER, REFER TO COMPANY FOR ACCEPTANCE 350 of the comp excess applies to Accidental/Malicious Damage,Fire & Theft Both policies must be in the same name Protected bonus policy available for approximately 11.1% more Protected bonus policy available for 10% more & 50 excess on comprehensive DEDUCT 5% if commuting can be excluded, minimum premium £50.00 Includes own business use by either insured or spouse but not both 100 extra excess applies to ALL drivers under 30 NO QUOTE if number of seats not fitted as standard manufacture REFER Unless Non-UK lic holders have at least 1 years driving exp. in UK REFER if any driver suffers from Rheumatoid Arthritis REFER all vehicle modifications for possible increase in premium Assumes windscreen claim is not due to Theft or Attempted Theft Protected bonus policy available for 10% more Proof of insurance required for other vehicle(s) PROPOSER must have been named driver on other policy for 4+ years claim free Protected bonus policy available for 12% more & 50 excess on comprehensive Protected bonus policy available for approximately 13.6% more Protected bonus policy available for 12% more NO QUOTE unless hard top vehicle 100 Fire Theft & Malicious Damage excess applies unless garaged Deduct 4% if driving can be restricted to insured and 2 named drivers Quote is for drivers entered only, REFER to guide for load on extra drivers Use in connection with the motor trade is excluded ADD 10.00 for fatal accident benefit 200 Malicious Damage,Fire & Theft excess applies A Company Car supplementary questionnaire must be completed For Windscreen Cover ADD 15.00 Extra benefits of Gold policy available for +3.09% more Assumes young driver is occasional driver only & can be shown to be so Quote assumes no more than 2 additional drivers UNDER 25 otherwise REFER Protected bonus for +13% on a named driver only basis EXCLUDES cover on radio telephones, ADD 5% for cover up to £2000 EXCLUDES theft of sound reproduction equipment NO QUOTE if any driver is a citizen of the USA Proof of minimum 3 years NCB earned on spouses current policy NO QUOTE if Antique Dealer does not have shop premises NO QUOTE if provisional driver has failed more than 4 driving tests Mileage limited to 5000 miles per annum NO QUOTE if the Diabetic condition has not been stable for at least 2 years Mileage limited to 7000 miles per annum Mileage limited to 9000 miles per annum Warranted an efficient fire extinguisher be carried at all times If estate or dual purpose vehicle, enquiries re actual use must be made WHITE ROSE Non-Standard policy Allows up to 2 NAMED AND APPROVED additional drivers plus spouse 100 Fire & Theft excess applies 150 Fire & Theft excess applies NO QUOTE if driver is a well known personality NO QUOTE unless student is an occasional driver only Protected Bonus policy available for 12.5% more For windscreen cover ADD 6.00 For windscreen cover ADD 10.00 REFER if radio telephone is fitted Protected bonus policy available for 12.5% load EXCLUDES driver/s age 75+ OR 60+ with provisional licence Extra 100 AD excess applies to additional drivers under 30 Extra 75 AD excess applies to additional drivers under 30 Minimum 250 Fire,Theft & Malicious Damage excess applies when ungaraged 350 of the compulsory excess is Malicious Damage,Fire & Theft when ungaraged 250 of the compulsory excess is Malicious Damage,Fire & Theft when ungaraged Assumes driving restricted to IOD/Ins & Spouse on other car The All Sections Excess is a Fire & Theft excess, and applies when ungaraged ADD 25% if more than 60 units of insulin injected per day REFER unless deafness is only partial OR corrected Assumed condition stable for 3 yrs and no history of Coma or Glycaemic attack REFER if driver is not Studio-based Protected bonus policy available for 10% load Protected Bonus policy available for 10% load 350 of the compulsory excess is for Malicious Damage, Fire and Theft 250 of the compulsory excess is for Malicious Damage, Fire and Theft REFER if driver is not Studio-based Protected bonus policy available for 10% load 100.00 Fire & Theft excess applies An extra 100 Fire & Theft excess applies The last companies NCB percentage (up to 60%) can be given If self employed ADD 30% for use Protected bonus policy available for 10% more & 50 excess for comprehensive Proof of Advanced Rider qualification required EXCLUDES THEFT if not in locked garage when in vicinity of home from 10pm-6am Quote assumes drivers hold correct type of licence for this motorcycle A Modified Motorcycle Report Form must accompany the proposal form For windscreen cover ADD 14.63 for 85.00 cover OR 24.39 for 150.00 cover 100 Fire & Theft Excess applies - to delete this ADD 3.8% Assumes drivers aged 65+ have been driving regularly in UK for last 2 years Quote includes 150.00 Windscreen Cover NO QUOTE if vehicle will be carrying Corrosive, Toxic or Explosive goods EXCLUDES Medical Expenses EXCLUDES cover for Radio, Telephone & CB Equipment EXCLUDES Personal Accident Benefits. EXCLUDES Contents NO QUOTE if vehicle is an electric milk float
