ABC Car Underwriting Criteria
ABC Private Car
Contact Number 080067 83048
Referrals
- Modifications – even alloys
- Break in cover over 14 days
- Foreign imports
Residency
- Permanent drivers have to be permanent resident in the UK – no minimum length of residency requirement.
- Temporary drivers who are not permanent UK residents may be considered on referral.
(confirmed with Paula in LV on 12/06/2023)
Underwriting
- Age: 19-79 (updated 02/2024)
- Any Driver: not available
- Business Use: all classes of use quoted for
- Cancellations: £25.00 + IPT (even within 14 day cooling off and no claims made on policy)
- Cover: Comprehensive and TPF&T
- Driving Other Cars: Private cars only covered provided the other car has valid insurance in force. Over 25's - motor trade and van drivers excluded from DOC and cert/quote workings need to be checked as there may be other occupations excluded from DOC
- Excesses: discount given for voluntary excess up to £500. Check working for Compulsory Excesses. Unlimited windscreen/windows cover (Comprehensive) if approved repairer is used. The excess will not apply if glass is repaired.
- Homeowner: Discount given
- Leased Vehicles: minimum of 12 months (leasing company is registered owner and policyholder is registered keeper)
- Licence: UK and EU licence accepted (no to international for annual policy but may allow it for temporary drivers, needs referred).
- New Car Replacement: New replacement car if vehicle is less than one year old and damage exceeds 60% (Comprehensive)
- Mileage Discount: gives mileage discount – most amount of discount for mileage between 5998 and 11997 annual mileage
- Protected NCD: Protected NCD - 2 claims in 5 years. If 3 claims made within a 5 year period NCD is reduced e.g. if NCD is 9+ years it will be stepped back to 3 years.
- NCD: Highway will accept proof of NCD from PC, Private/Public Hire, CV or free insurance
- EU Cover: 90 days included
- Residency: No minimum but some vehicle terms may refer residency for 1-5 years.
- Search Consent: Needed
- Sun Roof Cover: Included see page 10 of ABC policy wording for all windscreen cover
- Vehicle value: Minimum £501, maximum £100,000 (comprehensive cover confirmed and updated 27/03/2024) and no minimum, max £7,500 (for non-comprehensive cover).
- MTAS:
- No TSOV are allowed - all temporary vehicles have to go on as TAV. Maximum 30 days and an additional £100 excess applies. Will normally cover Vehicle Provided by Reliable Car hire if referred – please note that you will probably be asked to cover this on the LV portal. If Highway will not cover a Reliable Car then these will be covered by Reliable themselves and the customer should be asked to contact Reliable Cars. No cover can be provided for vehicles owned by Crash Services or any other claims management company vehicle. The only other temporary vehicles that Highway will accept are vehicles lent to a customer whilst their car is being serviced or repaired and the vehicle is coming from the garage carrying out the work. The only other temporary vehicle that is acceptable is if the customer changes their car and wants to add the old car on for a week or so pending sale then this is acceptable as a TAV.
Benefits/Extras
- Temporary replacement car/Courtesy Car
We will pay for a temporary replacement car if this cover is shown on your schedule.
We will only provide a temporary replacement car:
after loss or damage covered by this insurance,
- if we manage your claim,
- if you use our Selected Repairer Service and;
- while repairs to your car are being carried out.
- Temporary replacement cars are usually small hatchbacks under 1200cc. - Up to £250 cover for fitted audio equipment
- Personal belongings covered up to £200 (Comprehensive)
- Child's seat covered if claim made under Comprehensive section of the policy following an accident
- On Comprehensive for policyholder, spouse or civil partner aged 21 - 75 - £5000 for death, loss of limb or loss of sight
- Replacement of locks and keys
If this insurance covers the loss or damage, we will pay for all the locks to be
replaced if one or more is damaged. If your car keys, lock transmitter or entry card
are lost or stolen we will pay for replacement locks and keys providing they were
not left in, on or attached to or left in the immediate proximity of your car.
Introductory Discount
No intro bonus allowed