Learner insurance acceptance criteria

To be eligible for your Dayinsure Learner policy, you (the policyholder) must meet the following criteria at all times. Any change in circumstance may make the policy invalid. Any changes must be notified to us in writing to support@dayinsure.com

 You (the Policyholder) must accept and agree that you:

• are aged between 17–50 (this will be subject to underwriting criteria and individual circumstances)
• hold a current provisional GB driving licence
• are a permanent UK resident
• have an address on your provisional GB driving licence that matches the address on this insurance policy – please note we may ask you to provide proof of address if you make a claim
• have had no more than 1 non-fault claim
• have had 0 fault claims
• have had no incidents likely to give rise to claims.
• have no penalty points on your licence
• have no unspent motoring offences or convictions
• have no unspent criminal convictions
• have never been refused insurance or had a policy cancelled.

 The insured car must:

• be registered in the UK
• have a current market value of less than £40,000
• not have any engine modifications, body kits or alloy wheels unless they were –
  – fitted at manufacture or were the maker’s optional extras, or
  – carried out specifically for a disabled driver or passenger
• not be a hire or rental vehicle or leased under an agreement of 12 months’ duration or less
• not be a seized vehicle or in a police compound
• not be imported from another country through channels other than the maker’s official distribution system
• not be used to carry hazardous goods or be used at any hazardous location
• not have more than 7 seats (including the driver’s seat)
• not be a type of heavy goods vehicle (HGV)
• not be over 3.5 tonnes gross vehicle weight (GVW)
• have an engine size of 3999cc or less.

If you are not the car’s registered keeper:

• we do not provide cover under this policy for loss or damage that occurs between 00:00 hours (midnight) and 06:00 hours
• we provide cover under this policy only if the vehicle is also insured under a separate annual motor insurance policy
• you must have the registered keeper’s permission to drive the vehicle and confirm that you are responsible for insuring it against any loss or damage.

You must accept and agree that:

• all cover under this policy ceases as soon as you pass your driving test
• you must be accompanied by a driver. The driver must be aged between 25-75 and hold a full current GB driving licence (for the type of vehicle they are supervising in – manual or automatic) for at least 3 years
• the vehicle must not be used to carry passengers or goods for payment, to carry goods or property that do not belong to you while acting as a courier, or to deliver takeaway or fast food for payment or reward
• must not be used for any commercial purpose in connection with the buying and selling, repair, servicing, cleaning, maintenance, inspection, testing, alteration or treatment of motor vehicles.
• if you make a claim, you must provide the V5C document for the insured vehicle to allow us to validate the registered keeper’s details. If you tell us during the application process that you are borrowing the vehicle but the V5C shows you are actually its registered keeper, we will make your policy void and refuse any claim.

Warning: failure to meet the criteria accurately could invalidate your insurance and may be an offence.