Carplus and AON Risk Services have provided an insurance scheme for car clubs that offers comprehensive insurance specifically designed for car clubs, and is only available for clubs using Vauxhall vehicles.

Membership shall be available to members of approved car clubs who:

are at least 21 years of age and no older than 75 years of age (with existing car club members permitted to remain up to age 77) are full driving licence holders who have held their driving licence for a minimum of 12 months, or a minimum of 24 months for those aged 23 or 24, or a minimum of 36 months for those aged 21/22 or 76/77. Those using a Multi Purpose Vehicle must have held their licence for a minimum of 24 months and be aged between 23 and 75 years

have no endorsements on their licence for those aged 21 to 24, and no more than one minor offence (those starting CD, MS, MW, PC, SP or TS) for drivers aged 25 to 75 years

have had no accidents (or documentary proof of not more than one no-fault accident) in the last three years for drivers aged 23 or 24, and no more than one accident for those aged 25 and over. Those aged 21/22 or 76/77 must not have had an accident in the past 3 years.

All drivers to submit valid driving licence, identification and address verification with a completed satisfactory insurance proposal form prior to acceptance.

Social, domestic, pleasure and business use of authorised club users.

include carriage of passengers for hire and reward (chauffeur drive, taxi, private hire etc.) racing, pace-making, trials or speed testing and motor trade use.

are not professional sports people or professional entertainers

are not in occupations connected to gambling or betting

are not foreign servicemen based in the UK

if unemployed or self-employed must provide appropriate additional address and identity verification.

A special case may be made for some people who don't meet these criteria, but a higher excess may be charged.

Foreign Use for taking the vehicle outside the UK will be granted on request, subject to issue by Aon of an International Green Card, with overseas assistance and recovery cover and VE103 (log book replacement form), all at additional cost quoted at time required.

In the event of an accident, which is later proven to be the fault of the User, the User has fully comprehensive coverage. This means that a claim can be made to cover;

• the value of the vehicle,
• the value of other vehicles or property up to £5 million,
• unlimited cover for death and bodily injury of passengers or other parties.

The User, when driving, is not covered by personal accident cover in the event that they are injured in an accident that is later proven to be their fault.

Basic excess: £100

In the event of an accident that is later proven not to be the fault of the User, the insurance company will make a claim against the third party. The User is covered for the value of the club vehicle, and unlimited cover for death and bodily injury to themselves, and passengers.

Excess: none

Each vehicle is covered in case of theft as long as it is reported immediately, which would normally be within 6 hours, security procedures having been followed.

Theft excess for unsecured vehicle: £1000

The insurance does not cover theft of personal possessions or valuables from the car.

The User is fully covered for an accident that is later proven to be the fault of a third party who is uninsured.

The User is covered for damage to the windscreen during the hire period. Windscreen excess £50, as long as the designated repair company (currently Auto Windscreens) are used; otherwise it will be equal to the basic excess NB: insurance cover will be void if a user has not been truthful about any prior insurance claims, licence endorsements, any medical condition which could affect qualification for insurance cover.