What are the criteria for determining acceptance?

The motor third party liability risk is accepted (or refused) based on one or more of the following:

• The age of the policyholder, the main driver or the usual driver.
  Age has an influence on the frequency and severity of accidents.
• The country where the principal residence of the policyholder and/or the principal driver is located.
  The administration of contracts and claims is more costly abroad.
• The previous accident record of the policyholder, the main driver or the usual driver.
  People with a high claims record cause more accidents than people with a low claims record.
• The country of registration of the vehicle.
  For motor vehicles, the country of risk is the country where the vehicle is registered.
• Withdrawal of driver's licence or intoxication of the policyholder or main driver.
  A person who has had his or her driver's licence withdrawn and/or has been convicted or investigated for drunkenness or  intoxication, refusal to take blood, hit-and-run or driving without a valid licence has a higher frequency of claims.
• Specific measures relating to the quality of the risk taken by another company or by Helvetia Schweizerische Versicherungsgesellschaft Liechtenstein AG.
  The use of this criterion is based on the statistical finding that a person who has been subject to specific risk quality measures (e.g. termination of liability coverage) by another company or by Helvetia Schweizerische Versicherungsgesellschaft Liechtenstein AG has a higher claims frequency.
• Legal and regulatory requirements.
  Both at the time of purchase and during the term of the contract, the driver and vehicle must meet all legal and regulatory requirements for driving in areas where liability insurance is mandatory.
• Commercial use of the vehicle for transporting passengers or commercial hire.
  No insurance cover is provided for vehicles used for commercial passenger transport (e.g. taxi, Uber) or commercial hire.
• Diplomatic cars.
  No insurance cover is provided for diplomatic cars/plates.