Aspire General Insurance
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This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Effective date of this Savings program underwriting guide is January 1, 2025. It applies to personal auto policies underwritten by Aspire General Insurance Company. PREFERRED / TARGET BUSINESS - Nonstandard personal auto risks needing state-minimum or modest liability limits with flexible term options (1, 3, 6, or 12 months). - Private passenger autos garaged and operated within the U.S. and Canada (no Mexico coverage; separate Mexican policy required at border). - Drivers who can benefit from multi-car, good driver, mature driver, and other program discounts when eligible. - Named non-owner risks needing liability only (BI/PD plus UM) when they do not own or regularly have access to a vehicle. RESTRICTED / DECLINED DRIVERS - Explicit list of Unacceptable Drivers includes certain major violations, serious accidents, and other high‑hazard driver situations in section “Unacceptable Drivers.” These drivers cannot be bound under the Savings program. - Drivers may be excluded by Named Driver Exclusion endorsement where allowed; company reserves the right to make final underwriting decisions and may request additional information to classify or underwrite the risk. - Foreign and international driver’s licenses are addressed separately; acceptance depends on documentation and internal rules, and may be more restricted. RESTRICTED / DECLINED VEHICLES & USE - Unacceptable Vehicles (section A under Vehicles) spans multiple pages and includes vehicle types and characteristics that are not eligible for coverage; any risk involving these vehicles must not be bound. - Physical damage coverage is not acceptable for certain vehicles as enumerated in “Physical Damage Coverage Not Acceptable.” These units may only qualify for liability or may be entirely ineligible, depending on specifics. - Vehicle Use section restricts or prohibits business/commercial, livery, and other non‑personal uses that do not fit the program’s personal, non-commercial intent. - Utility trailers are limited to liability only, when attached to an insured car and under 1,500 lbs. COVERAGES, LIMITS, AND SPECIAL COVERAGES - Policy territory is U.S. (including territories/possessions) and Canada only; the policy does not apply in Mexico. - BI limits shown include 15/30 and 30/60 options; PD limits include 5,000, 10,000, and 15,000. Certain lower limits are not available for new business after 1/1/2025 as indicated in the guide table. - BI and PD limits must be the same across all vehicles on a multi‑car policy. - Uninsured/Underinsured Motorist BI (UM/UIM) is written unless rejected; UIM cannot be purchased without UM. - UMPD is offered at $3,500 and is written unless rejected; it must be applied uniformly on multi‑car policies, cannot be written with Named Non‑Owner policies, and cannot be combined with Collision or the Collision Deductible Waiver endorsement. - Collision Deductible Waiver (CDW) is available with selected deductibles. When purchased, the collision deductible is waived for losses caused by an uninsured motorist; CDW is not available with UMPD and not available without Collision. - Comprehensive and Collision must be purchased together; deductibles are selectable (e.g., $400–$7,500). Comp/Collision includes permanently installed OEM equipment from manufacturer or dealer. - Deductible Discount Endorsement (triple deductible) applies in the first 60 days of a new policy, reinstatement, rewrite, or renewal with lapse; does not apply to lienholders. - Named Non‑Owned Vehicle Coverage endorsements provide liability (BI/PD) and UM for individuals with no owned vehicle and no regular access to a household or employer vehicle; several vehicle‑access and usage exclusions apply and a special disclosure form must be signed. - Permissive Use Endorsement extends physical damage coverage to permissive users in exchange for increased premium, subject to the user being properly licensed and other stated conditions. GEOGRAPHIC / POLICY‑TERM NOTES - Policy may be written for 1‑, 3‑, 6‑, or 12‑month terms. - Territory explicitly includes the United States, its territories and possessions, and Canada; no coverage is afforded in Mexico. SUBMISSION & BINDING REQUIREMENTS - Brokers do not have authority to bind coverage; binding authority is strictly governed by the Broker Agreement and this guide. - Original applications will be honored as of the application date only if ALL are true: • Down payment is made on the date of application. • Application is uploaded electronically and a policy number is issued. • Effective date does not precede the date the broker received and uploaded payment. • Risk does not include any class, type, or exposure outside the Company’s underwriting guidelines. • Information in the application is, to the broker’s knowledge, truthful and accurate. - Company reserves the right to request additional underwriting information from broker or insured. Failure or refusal to provide requested information can result in cancellation or non‑renewal due to substantial increase in hazard. - New Business section details electronic application requirements and specific forms: UM selection/rejection, Named Driver Exclusion, photos when required, and other documentation under “Additional Documentation Requirements.” - Endorsement handling (newly acquired vehicles, additional/deleted drivers, address/name/mileage changes, and limit/coverage changes) must follow documented procedures and be processed via the portal. BROKER / PRODUCER NOTES - Brokers must maintain original, complete signed applications and supporting documents (physical or legible, unaltered electronic scans) in an orderly, retrievable manner and ensure compatibility with Aspire’s systems. - Acceptance of money or representations by a broker is not binding on Aspire; only the Company makes final underwriting decisions. - Brokers should use Aspire’s electronic submission workflow (APEX/PolicyOne) and obtain all required signatures (including UM/UMPD rejection, Named Non‑Owner supplement, and Named Driver Exclusions) prior to or at binding. - Company explicitly reserves the right to make final underwriting decisions even when guidelines appear to be met, and may cancel or non‑renew when risk characteristics or information change to materially increase hazard.