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hello > Use of Car > Flashcards

Use of Car Flashcards

1
Q

What are the categories of use of the car?

A

SDP, SDP & commuting, SDP & business use

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2
Q

What does SDP stand for?

A

Social domestic & pleasure

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3
Q

What does SDP & commuting stand for?

A

Social domestic & pleasure and commuting

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4
Q

What does SDP & business use stand for?

A

Social domestic & pleasure and business use

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5
Q

What does SDP kind of use mean?

A

Only for social, domestic and pleasure purposes.

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6
Q

What is the default use of car given to all policy holders?

A

SDP

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7
Q

How is SDP and SDP & commuting different?

A

With commuting is included one permanent place of work.

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8
Q

If a customer is a mobile hair dresser what policy would they need for their use of car?

A

SDP & business use

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9
Q

If you have two places of work, what policy do you need for your use of car?

A

SDP & business use or sometimes if it’s very short hours part-time on top of a fulltime one during days SDP & commuting might be ok.

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10
Q

What happens if the customers car is used for their business or their employers business?

A

It will need to be referred to the underwriting team.

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11
Q

What are the restrictions to class of use in motor policies?

A

1) hire and reward (taxi)
2) racing, rallies, competitions and trials
3) motor trade

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12
Q

Will adding an additional driver affect the policy premium?

A

Yes

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13
Q

What are the 4 combinations of additional driver types in a policy?

A

1/ Policyholder only
2/ Policy holder & spouse only
3/ Policy holder & additional driver
4/ Policyholder & any driver

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14
Q

What information do we need on the additional drivers?

A

This applies to the spouse and additional driver policies. Not any driver (necessarily).

1/ Who is the main user?
2/ Names of all the additional drivers
3/ Their relationship

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15
Q

What is an “any driver” policy?

A

A policy that covers anyone (within reason) to drive a vehicle with the policyholder’s permission without them being named on the policy. There is criteria and conditions that apply though.

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16
Q

Why is it important to know who the main driver is?

A

Because the premium will be based on this person.

17
Q

Are the policy holder and main driver the same thing?

A

Not necessarily but they can be.

18
Q

Why is it important to enter the names of all the additional drivers correctly and fully?

A

Because it costs the company money and is inconvinient for the customer if they have to call us back to correct details. If the names are not correct, the person buying the policy won’t be covered.

19
Q

What are the exclusions you’ll need to choose when taking the “any driver” policy (4)?

A

1/ No exclusions
2/ Over 21s only
3/ Over 25s only
4/ Over 30s only

20
Q

Why is it important to name certain groups of people on an “any driver” policy

A

If the following categories of people are not named, they are automatically excluded and it is important to highlight this to the customer:
1/ Any driver under the age of 25
2/ Any driver who has had a claim
3/ Any driver who has had a conviction
4/ Any driver who has a medical condition

21
Q

Who are automatically excluded from the “any driver” if they are not specified on the policy?

A

1/ Any driver under the age of 25
2/ Any driver who has had a claim
3/ Any driver who has had a conviction
4/ Any driver who has a medical condition

22
Q

When can you not proceed with a quote for the policy?

A

If the customer cannot confirm if any of the drivers have any claims/convictions/medical conditions or not, and the details.

23
Q

If the youngest driver on the “any driver” policy is 17-20 yrs old, what do you need to enter in the system?

A

No exclusions

24
Q

If the youngest driver on the “any driver” policy is 21-24 yrs old, what do you need to enter in the system?

A

Over 21s only

25
Q

Who will the any driver policy automatically exclude unless they are named?

A

1/ Any driver under the age of 25
2/ Any driver who has had a claim
3/ Any driver who has had a conviction
4/ Any driver who has a medical condition
5/ Also we need to look out for cases that may be “fronted” if there is a young additional driver on the policy

26
Q

Why is annual mileage an important rating factor?

A

Because the more miles you drive, the more chance of having an accident you have.

27
Q

What is the average mileage in a year?

A

12,000

28
Q

What will give you a discount when it comes to mileage?

A

Low mileage but this means the customer is limited to a certain number of mileage and if they go over the limit and have an accident an excess may apply.

29
Q

What is fronting?

A

When a young person buys a car and insures it in an older person’s name, usually their parent to get a cheaper insurance.

30
Q

What happens if we find out a policy is fronted and the customer is trying to make a claim?

A

We may refuse to pay the customer’s claim.

31
Q

Mention as many ways to spot fronting as possible (8).

A

1/ The young driver calls for a quote in their parent’s name
2/ The young driver pays for parent’s insurance using their own card
3/ The young driver refers to the car as ‘my car’ or says ‘I bought the car last week’
4/ You may hear a hesitation when you ask who the registered owner and keeper of the car is
5/ Zero no claims discount
6/ The parent may have access to more than one car
7/ The value of the car may be low
8/ The car may be a small or a basic model that does not suit the parent’s occupation

32
Q

What questions can you ask if you think a car is fronted?

A

Who bought the car?
What name is on the log book?
Who is taking care of the car?

33
Q

What do you need to do if you believe the car belongs to a young driver rather than e.g. their parent who is the policy holder?

A

Refer the case to your team leader

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