Insurance Terms

All vehicles are hired under our self-drive hire insurance. Driver eligibility is assessed against the current policy schedule, the latest Alan Boswell/Allianz Hiring Guide and any written insurer referral. Dreams on Wheels may apply a stricter business rule where this is clearly stated. A vehicle cannot be released until all required checks and collection controls are complete.

Driver requirements

• Every driver must be aged 25 or over and under 79 on the first day of hire.
• Every driver must have held a full driving licence for at least two years.
• Full UK, EU, Australian and New Zealand licences may be accepted subject to the conditions in the current Hiring Guide. Other licence types, or any case outside the guide, require written insurer referral. Cover must not be assumed before confirmation.
• Every driver must attend collection with their original licence. We also require a clear copy of the front and back before collection.
• For a mainland UK licence, Dreams on Wheels must complete and retain the official DVLA online result. A DVLA check code is normally valid for 21 days and can be used once. Generate a DVLA check code on GOV.UK.

Proof of address

Two qualifying proof-of-address documents are required for every driver. The name and address must match the driving licence.

The latest annual council-tax bill is accepted outside the 90-day limit. Every other document must be dated within 90 days before collection. Insurance-related documents are not accepted as proof of address.

Accepted sources are:

• electricity, water or gas bill;
• broadband or landline bill;
• council-tax bill;
• TV licence;
• bank or credit-card statement;
• mortgage statement;
• polling card;
• HMRC self-assessment or tax-credit document;
• student-loan statement;
• shotgun licence;
• payslip;
• mobile-phone bill;
• pension letter;
• car-finance or loan statement; or
• property deed.

Points, convictions and disqualifications

• Two qualifying 3-point SP, TS or CU offences can receive standard cover.
• One qualifying 4- or 6-point SP, TS or CU offence can receive standard cover.
• Three qualifying 3-point offences totalling 9 points attract a £500 additional excess.
• MS90, IN10 and any conviction code not expressly covered by the current guide require written insurer referral.
• Any ban or disqualification within the five years before the hire requires written insurer referral.
• An uncertain or unlisted case must be referred. Cover must not be inferred.

Claims and other disclosures

• Every fault or outstanding incident/claim during the three years before hire must be disclosed.
• More than one fault or outstanding incident/claim requires written insurer referral and may be declined or carry additional terms.
• Previous insurance refusal, cancellation or special terms, and relevant occupational circumstances, must be disclosed to Dreams on Wheels and may be referred where required.

Payments, security deposit and insurance excess

• Cash hires are not accepted. Hire payments must be cleared and traceable, with at least one payment from the primary driver, hirer or renter unless the insurer agrees otherwise in writing.
• Dreams on Wheels requires a separate £1,000 security-deposit card payment at collection in the main driver’s name.
• The standard insured vehicle-damage excess is £1,000. The windscreen/window excess is £500.
• A different or additional excess may apply where stated by the policy, Hiring Guide or a written insurer referral.

The vehicle will not be released until every driver has passed the applicable checks, original licences have been sighted, the required documents and declarations are complete, payments are cleared, and the agreement and collection-condition record are signed.