Here is a list of standard underwriting guidelines of our non-preferred risks:

1. We do not underwrite if the vehicle tonnage is more than 5 tonnes.
2. We do not underwrite if the vehicle is used to carry hazardous goods / hire and reward.
3. We do not underwrite if the vehicle is more than 15 years old.
4. We do not underwrite if the customer has been declined previously or had their policy terminated by any insurer.
5. We do not underwrite if there are more than 2 claims in the past 3 years
6. Certain nature of businesses may be declined or loaded with higher premiums, such as:
   
   a. Construction
   b. Gas Supply
   c. Junk dealers & Garbage Removal
   d. Motor Trade / Repair Activities
   e. Transport & Storage
   f. Water Supply & Waste Management
   g. Security Firms

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