Insurance and excess

TrydaNi ensures that the Vehicles are fully taxed, have a valid MOT certificate and are appropriately insured for legal use on public roads.

After completing the application process we’ll check with our insurers that you are eligible to drive under our policy. 

If you do not meet our standard insurance criteria we will consult with our insurance provider to see if they can make an exception based on the details of your application. If they are happy to make an exception, this will require approval from our underwriters, which can take up to two weeks.

Excess: 

In the event of an accident or other damage to the vehicle, the Member’s liability is limited to the cost of repair, capped at £250 plus £50 to cover admin costs. 

Based on your driving and claims history, our insurers may require us to pay an extra premium and/or instigate an additional excess before we can approve your application. 

In this case, we will review your situation and may ask you to pay the extra premium and/or pay a refundable deposit, the amount of which will be no less than 25% of the value of your total insurance excess at the time. If you do not agree to paying the extra premium and/or the deposit for the excess, your membership application will not be approved.

When necessary, we will contact you to arrange for payment for any insurance excess. We reserve the right to set a deadline for repayment and to cancel your membership in the event that payment is not made in full by the deadline.

Following an accident since becoming a member, our insurers may require us to pay an extra premium and/or instigate an additional excess for the Member to continue to use Vehicles. In this case, we will review your situation and may ask you to pay the extra premium and/or pay a refundable deposit, the amount of which will be no less than 25% of the value of your total insurance excess at the time. If you do not agree to paying the extra premium and/or the deposit for the excess, your membership will be terminated and any credits in your Account will be refunded.