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High-Risk Insurance Tier

To provide you with comprehensive insurance cover, our members are placed into different risk categories based upon their driving experience and record. The high-risk category applies if one or more of these are true:

  • You’re aged 19-24
  • You have 4 or more points on your license
  • You’ve had an accident in the last 3 years

High risk members have a damage excess of £1,000 and the price for an optional damage fee waiver is higher (£5 extra).

Drivers in the higher + group pay a driving surcharge of £1.50/hr or £18/day. These members are also restricted from reserving certain premium models in the Fleet. 

If you’re aged 19-24, we’ll automatically take you out of the higher risk category when you turn 25 (as long as you don’t meet any of the other criteria). 

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