How does it work?
Under our insurance you are fully-covered in the event of an accident that isn’t your fault. However, if you are at fault you may have to contribute to the standard and additional excess.
What happens if I have an accident?
In the event of an accident, proven not to be your fault in any way, the SU will cover the cost of the excess.
However, if you are at fault you will have to pay at least 50% of your additional excess*. For example if you are a driver aged 18-20, with a clean record, you have an additional excess of £350. Therefore in the event of a crash, where you are at fault, you would have to pay at least £175. If you were driving recklessly at the time we may charge you all of the additional excess as well as the standard excess.
The SU will take any incident that occurs in any of the Vehicles on a case-by-case basis.
*Non-standard Drivers and those aged 18-24 will have an additional excess so make sure to read the next bits carefully.
Non-Standard Drivers are considered as such if they answer ‘Yes’ to any of the questions mentioned in the Insurance Section of the Vehicle Registration Form or Annual Driver Registered Driver Form. This includes:
- Drivers with a non-UK/EU Licence.
- Drivers over the age of 70.
- Drivers who have disclosed a medical condition reportable to DVLA.
- Drivers who have disclosed any accidents in the past 3 years.
- Drivers who have disclosed any motoring convictions.
This does not mean you will be unable to drive, if you are a Non-standard driver you will need to fill out the ‘Endsleigh Non-Standard Driver Form’ in which your application will be referred to our insurers before you are allowed to take the MiDAS course with us.
Drivers aged 18-20 (MPV & Car drivers)
Please be aware that drivers aged 18-20 have an additional excess of £350, in addition to the standard policy excess.
Drivers aged 21-24 (Minibus drivers)
Please be aware that drivers aged 21-24 have an additional excess of £100, in addition to the standard policy excess.