Insurance
Eligibility

NIG Insurance Eligibility

Brokered Through Lloyd Latchford

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Eligibility 

 

- All drivers must be between 18 and 75 years of age (a maximum age of 78 at the end of contract)

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- All drivers must hold a full licence from the UK, EU, EEA or one of the following countries; Andorra, Australia, Barbados, British Virgin Islands, Canada, Falkland Islands, Faroe Islands,  Hong Kong, Japan, Monaco, New Zealand, Republic of Korea, Singapore, South Africa,  Switzerland, USA or Zimbabwe 

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- You must have been a permanent employee for a minimum of 6 months - All drivers must be a permanent UK resident 

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- No more than 2 category 'A' convictions disclosed & no more than 1 FAULT claim per driver disclosed in the last 3 years

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- Claims or category ‘A’ convictions over 3 years old from the car delivery date are acceptable. Convictions that are shown below in red, which are over 5 years of age from  date of delivery, are also acceptable 

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- No drivers have a non-motoring conviction that is not spent under the Rehabilitation of  Offenders Act 

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- No drivers are employed by the emergency services unless explicitly agreed. - No drivers are celebrities or otherwise in the public eye including professional  sportspersons, actors and musicians 

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Category ‘A’ Convictions show on online licence checks beginning with the following codes: CU or LC or MW or PC or SP or TS 

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Please note: If you have any of the following then you DO NOT meet the eligibility criteria for the scheme. 

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- Any conviction which has resulted in a ban in the last 5 years (including any of the  minor conviction codes above) 

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- A conviction in the last 5 years with any of the following letters on your licence; AC – BA – CD – DD – DG – DR – IN – MS – TT - UT 

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Policy Excesses 

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- Accidental Damage excess £250. 

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- Fire, Theft and Malicious damage excess £250. 

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- Replacement windscreen excess £75.00. No excess if the windscreen is repaired. - An additional excess of £300 applies to drivers aged 18 to 20 for accidental damage. - An additional excess of £200 applies to drivers aged 21 to 24 for accidental damage.

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What's covered 

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- Premium is a true fixed price for the lifetime of your agreement 

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- Social, domestic, pleasure and commuting cover, including use by the Policyholder in connection with their Employer’s business is covered as standard. Other forms of business use for the policyholder and/or spouse/civil partner may be considered on a case-by-case  

basis but do not order a car without checking first. Any other drivers listed on the insurance (not partner/spouse) will only be covered for social, domestic and pleasure use - Unlimited cover for audio and navigation equipment that is permanently fixed to your vehicle and has no independent power source 

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- Personal belongings in your car up to £350 

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- Replacement locks (see full policy wording for details.) 

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- Damage to your vehicle following incorrect fuelling (No cover for removal of incorrect fuel  and refuelling of the car) 

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- Emergency medical treatment 

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- Medical expenses, up to £350 per person 

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- Accident transport/vehicle recovery 

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- Child car seat cover, up to £100 per seat 

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- Free extended use of your car in the EU, up to a period of 60 days 

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- Courtesy car for the duration of repairs if in the event of an accident the car is repaired by an NIG approved repairer. 

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- If the vehicle is stolen and not recovered or if it is declared a total loss, a courtesy car is provided for up to 14 days or until a settlement offer is agreed (whichever is earlier).