Are there any medical conditions for hiring?

The insurers do not discriminate against medical conditions. So long as the DVLA/Doctor/GP have not imposed any restrictions then you are covered as standard.

My hirer's driving licence has expired or has out-of-date information?

You will need written confirmation from the DVLA confirming the adjustments have been made. This confirmation (usually supplied via email) alongside the client’s proof of address, existing licence, and updated DVLA check code will suffice. For any expired licences please refer to the most recent Government announcements regarding licence extension here . Expired licences within the extension are covered as standard.

The hirer has points on their licence. What are the rules for hiring my vehicle?

For Allianz Insurance PLC policyholders, the terms are as follows: If your hirer has any ban or disqualification this will need to be referred. If they have nine points on their licence for three x 3 point offences, a £500 excess will apply. If they have a single six point offence (MS90, IN10, CU80, CD and SP offences), this will require a referral. Two x 3 point offences, or anything less than six points are covered as standard. For Markerstudy Limited policyholders the terms are as follows: If your hirer has any ban or disqualification, this will need to be referred. If they have nine points on their licence or three x 3 point offences, a £500 excess will apply. If they have a single six point offence (MS90, IN10) this will require a referral. Two x 3 point offences or anything less than six points are covered as standard. A single four point offence is covered as standard.

The hirer has paid for the rental but won’t be driving, do we need to take a payment from the actual driver?

Yes, payment (of any amount), via a cleared and traceable method, must be obtained from the primary driver/hirer/renter, unless otherwise agreed by the insurers.

My hirer has an EU or foreign licence and they cannot do a licence check online, what can they do?

You can find out whether your hirer is eligible to drive in Great Britain by using the Government’s online tool here: https://www.gov.uk/driving-nongb-licence . EU licence holders under 70 years of age, living in the UK for longer than 12 months, who meet all the criteria mentioned above will be covered as standard. If they have an EU driving licence and have been living in the UK for less than 12 months but can supply two proofs, as described above, plus their passport, they are covered as standard. Anything outside of the above must be referred to the insurers.

Self-Drive Hire - Driver referencing

While you don’t have to contact us and inform us of each hire, it is very important that all your self-drive hires are appropriately referenced to ensure they satisfy your policy criteria. If you fail to complete adequate hirer/driver checks you may find your insurance is invalid in the event of claim.

We’ve put together a comprehensive guide on what you need to do to ensure your clients are adequately referenced. The requirements are split by the insurer of your policy, Allianz Insurance PLC or Markerstudy Limited. Please check your policy schedule / paperwork to confirm which reference guide applies.

If you’re not sure about a customer give us a call, our specialists from our self-drive hire insurance team can help.

Allianz Insurance PLC driver referencing

What must you obtain from your client, prior to the hire commencement?

Copy of the photo card driver's licence (address and ID must be up to date).
Online licence check – check their driving licence information. Please note, DVLA licence checks can only be carried out on driving licences issued from mainland UK.
Two proofs of address from separate sources.
Cleared a traceable security deposit (BACS, credit/debit card, PayPal, etc.).
Signed rental agreement.
Since1st August 2021 Green Cards are no longer mandatory for driving within the EU. Please ensure you arrange a VE103 certificate – gov.uk/taking-vehicles-out-of-uk/for-less-than-12-months.

Additional criteria

Must meet the specified age limits within your policy and have at least two years' driving experience (Full UK or EU licence. AU and NZ licences are agreeable, subject
to a £500 excess).
Two, 3 point convictions are acceptable (i.e. 2x SP30’s, 3pts each) without referral.
A single six point SP30, SP50 and CU80 are acceptable subject to an additional £1,000 excess. All other six points+ offences will require referral to the insurers.
No more than one fault or outstanding incident/claim in the last three years.

Proofs of address

You must provide a total of two proofs of address from the following: one primary and one secondary, or two primary proofs of address.

Primary proof of address:

Electricity (bill/statement)

Water (bill/statement)

Gas (bill/statement)

Broadband/landline bill

Council tax bill

TV licence

Bank statement

Credit card bill/statement

Mortgage statement

Polling card

HMRC self-assessment/tax credit

Secondary proof of address:

Student loan

Shotgun licence

Payslip

Mobile phone bills

Pension letters

Car finance statement

Loan statement

Property deed

An annual council tax bill will be accepted. All other documents must be dated within 90 days of the hire date. The address and name on your licence must match both documents.

Allianz Driver Referencing Guide

Markerstudy Limited driver referencing