Helpful ideas to keep you motoring

Keeping you on the road

Questions and Answers

Applying for motor insurance can be a complicated process; with so many questions on your lifestyle and driving history, the answers may not always be as straightforward as you initially thought. We’ve put together a guide to clear up some of those grey areas, so you can get it right first time and avoid invalidating your policy or future claims with incorrect information.

Marital Status

Single
You are not married, separated, have a partner or a common law partner.

Married
You are married.

Divorced
You are no longer married and have undergone a divorce settlement.

Married Common Law
You are a common-law partner, either of opposite sex or same-sex, if you have been living with your spouse in a conjugal relationship.

Partnered
You have been in a relationship but are not cohabiting.

Separated
You no longer live with your husband or wife but have not yet divorced.

Widowed
You are no longer married due to the death of your partner.

Licence Length

When asked how long you have held your licence for, this does not include time spent driving with a Provisional Licence, but from the day you passed your driving test and received a Full Licence. Insurers will expect you to provide your licence length in years, so if you haven’t made it to a full year yet, always round down.

Not sure of the date? You can always check when you passed your driving test by looking at the back of your photo card licence.

Employment

When inputting your personal information into our quote journey, you will be asked about your employment status. Please ensure you select the most accurate options to describe your current employment situation.

Full Time Employment
If you are working more than 16 hours per week.

Part Time Employment
If you are working less than 16 hours per week.

Self Employed
You run your own business.

Currently Not Working
You are not currently in employment.

If you are currently not in employment, you will need to select an option from a drop down menu that best describes your current situation.

Currently Not Working

Unemployed
You are only classed as unemployed if you are currently out of work but are looking for new employment.

Houseperson
You are only classed as a houseperson if you:

Full/Part Time Education
You must be a student of a regulated body to be classed as a student.

Retired
You are no longer required to work.

Disability/Illness
You are not in employment as a consequence of a disability or an illness.

Independent Means
You are unemployed and not seeking employment. You do not seek any financial aid from the government.

If you are employed by more than one company, you must outline your secondary occupation.

Class of Use

Social, Domestic and Pleasure
You use your vehicle for social, domestic and pleasure purposes. This includes but is not limited to:

Social, Domestic, Pleasure & Commuting
You use your vehicle for social, domestic and pleasure purposes as well as commuting to a single place of work.

Business Use
If your work requires you to travel to multiple locations or you are not based in a single place of employment, you must state this on your quote. You will be required to outline and separate how much of your mileage is based on your SDP or SDP&C usage and how much is required for business use.

Personal Business Use
Either you are self-employed or employed and use your vehicle to drive to various locations due to the requirements of your employment.

Public or Private Hire
You use your vehicle to transport other people in exchange for money, both publically and privately.

This includes but is not limited to:

Cold Calling and/or Sales
Your employment requires you to use your vehicle to visit multiple locations to make sales or cold calls.

Commuting to More than One Place of Work
Your employment requires you to travel to more than one regular location.

Delivery of Goods or Food
You use your vehicle to deliver goods or food to third parties.

Normal Place of Work
Your normal place of work is defined as a single location you commute to on a regular basis for your employment. This is not necessarily an office block. If, for example, you leave your car at the station and complete your journey by train, you still require SDP&C as your class of use.

Alarms and Immobilisers

Factory Fitted Alarm and Immobiliser
An alarm and immobiliser that was fitted in the vehicle at the time of manufacture.

Factory Fitted Alarm
An alarm that was fitted in the vehicle at the time of manufacture.

Non-Factory Fitted Alarm and Immobiliser
An alarm and immobiliser that was not fitted in the vehicle at the time of manufacture.

Non-Factory Fitted Alarm
An alarm that was not fitted in the vehicle at the time of manufacture.

Thatcham Approved Cat. 1
Alarms must include perimeter detection, ignition detection, internal movement detection and independent battery back-up.

Immobilisers must set passively – without an action from the driver – and must isolate at least two operating circuits or one control unit critical to normal vehicle operation

Thatcham Approved Cat. 2
Immobilisers must set passively – without an action from the driver – and must isolate at least two operating circuits or one control unit critical to normal vehicle operation.

Tracking Devices
You will be required to state if your vehicle is fitted with a tracking device and, if so, who was responsible for fitting it into your vehicle. There are two main categories of electronic tracking devices; products that use a VHF signal and products that use GPS (Global Positioning System). There are also some hybrid systems that use both.

Parking Conditions

You will be required to state where your vehicle will be kept overnight. This must be the place where your vehicle is kept on a regular basis and is your main place of parking.

Car Park
A public area or building reserved for parking vehicles, sometimes with designated spaces.

Carport
A public, open sided shelter for a motor vehicle, usually formed by a roof projecting from the side of a building.

Garage
A privately owned building or indoor space that can be locked in which to park or keep a motor vehicle.

Third Party Property
Property on which you have permission to park your vehicle that is neither owned by yourself nor accessible to the general public.

Locked Building
A privately owned building that is locked and inaccessible to the general public.

Locked Compound
A fenced or walled, privately owned area that is locked and inaccessible to the general public.

Parked on Drive
A privately owned or rented space outside your home that is expressly designed for parking vehicles.

Private Property
Private property owned by yourself that is not open to the general public.

Public Road
A road that is open to the public and that is both driven on and parked on by the general public.

Unlocked Building
A public building or indoor space that is left unlocked or cannot be locked in which to park or keep a motor vehicle.

Unlocked Compound
A fenced or walled, privately owned area that is not locked and is accessible to the general public.

Multiple Address

If you split your time between multiple addresses for personal, work or other reasons, the address upon which your quotation is based should be where your vehicle is predominantly kept. Please note that we must be able to write to you at this address.

Convictions

Criminal Convictions
It is a requirement that you state any criminal convictions, except for those considered spent under the Rehabilitation of Offenders Act 1974, or have any prosecution or police enquiries pending for such offences.

Motoring Convictions
It is a requirement that you state any motoring convictions, driving bans, driving licence endorsements or fixed penalties from the last 5 years. You will be required to give the date of offence, the date of conviction, the amount fined (if any,) the number of conviction points (if any,) the period of disqualification (if any) and the conviction code for the offence. All of the required information will be outlined on your driving licence.

For a full list of all motoring convictions, please click here.

Please note that paper counterpart licences will no longer exist as of June 2015 and will be replaced by the DVLA’s MyLicence service. For more information, please click here. 

Motoring Incidents
It is a requirement that you state any motoring incidents that have occurred in the last 3 years whether or not a claim was made and regardless of who was at fault. You will be required to inform of us when the incident took place and whose policy was affected, (your own policy or affected by you as a named driver on another’s policy or a company vehicle) and who was recorded as at fault.

This includes but is not limited to:

Residency

UK residency is determined by the length of time you have been living in the United Kingdom. If you have lived abroad for a period of time, your UK residency is calculated from the time you returned to, or moved to, the UK. Any previous residency in the UK is therefore not included.

Modifications

You must inform us if your vehicle has been subject to any changes from the manufacturer’s standard specification.

This includes but is not limited to:

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