Vernon Garage, Station Approach, LU7 2LY
01525 851549

Insurance Restrictions, Charges & Criteria

Local car and van hire in Leighton Buzzard

We regret to inform you that our insurance company imposes charges for the following conditions. When you hire, the insurance company may decide to impose charges not listed. To find out more, please contact us before you hire.

3 points = £5.25, 6 points = £15, 9 points = £30.00

AGE

AGE 21-24

  • Must have held full licence for a period of two years
  • Not permitted to drive Minibuses/MPVs/7.5 ton vehicles
  • Basic Damage excess increased by £400
  • 21-22 YEAR OLDS MUST BE FREE OF CONVICTION
  • 23-24 YEAR OLDS ARE PERMITTED ONE MINOR CONVICTION

(3 POINTS) IN LAST 3 YEARS (those convictions not highlighted below)

AGE 25 and above

  • Must have held a full driving licence for a period of 12 months
  • Note – Standard cover does not apply for Hirers/drivers over 75 years of age (69 on Minibuses and 7.5 tonners).  Please note we will have to exercise discretion over the suitability of anyone over this age driving your vehicles, allowing for the sensitivities involved, also having to refer to our broker for clearance.

ACCIDENT HISTORY

Insurers require each driver to disclose all accidents which have occurred in the previous 3 years, irrespective of circumstance or fault.  It is important hirers know that a false declaration can lead to serious consequences.

 The following guidelines outline the action to take for persons aged 25 and over – we may have to refer for clearance

  • Up to 1 fault accident in last 3 years          `                                  OK to rent
  • 2 fault accidents  in last 3 years                                                      Refer to broker
  • 3 or more accidents in last 3 years                                                Unacceptable –DO NOT RENT

Note – Insurers consider any accident or claim where payments could not be recovered from a third party to be a fault accident. 

21-22 Year olds must be free from any fault accidents, 23-24 year olds are permitted one “minor” (total own damage/third party costs less than £2,000) at fault accident in the last 3 years.

If you are in any doubt please refer to us.

OCCUPATIONS

Certain occupations can either create a higher incidence of claims or are likely to produce claims with exceptionally high value injury settlements. In order to protect our claims record and subsequent premiums, we need to take care to establish a person’s occupation and then check against the following categories.

Note:  Self employed, Manager and Director are job titles or positions, not occupations.

Excluded occupations – can not rent unless referred:

  • Entertainers and Musicians
  • Professional sportspersons
  • Persons connected with Gambling, including on-course Bookmakers.
  • Persons connected with Racing
  • Off course Bookmakers
  • General Dealers, Market Traders, Street Traders
  • Scrap Metal Merchants
  • Modelling

Higher risk occupations – we must take care when referring

  • Publicans and employees of licensed premises
  • UK students under 25 or any foreign student
  • Foreign Service Personnel

MOTORING CONVICTIONS – AGE 25 & OVER

CONVICTIONACCEPTABLE?
Endorsement commencing UTNOT ACCEPTABLE
Any licence with two or more periods of disqualificationNOT ACCEPTABLE
Endorsements commencing AC10/AC20/ALL BA/ALL DD/ALL DG/ALL DR/CD40/CD50/CD60/CD70/MS90/ALL MRAcceptable only after 5 years from date of conviction
Any conviction resulting in a disqualification of more than six monthsAcceptable only after 5 years from date of conviction
Endorsements CD10/IN10/LC20Acceptable only after 3 years from date of conviction
Any conviction resulting in a period of disqualification of six months or lessAcceptable only after 3 years from date of conviction
Any number of endorsements (other than those listed above) with no period of disqualification totalling up to 8 points in last three yearsACCEPTABLE
Any number of endorsements (other than those listed above) with no period of disqualification totalling 9 or more points in last three yearsREFER TO BROKER

Late return = a full day hire