Aspire General Insurance
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
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
Verified current producer guidance on Aspire’s official producer resources page. Current published California underwriting material includes Aspire Savings Underwriting Guidelines effective 01/01/2025 and a Savings New Business Checklist. Aspire positions itself as a non-standard personal auto carrier for independent producers, with quoting and endorsement handled through its producer systems. Core appetite is California personal auto, including standard private passenger risks and some business-use private passenger vehicles when usage fits the guide. Policy terms available are 1, 3, 6, or 12 months. Coverage territory is the U.S., its territories/possessions, and Canada; Mexico is excluded and insureds are instructed to obtain separate Mexican coverage. Vehicles must generally be principally garaged at one residential California address; vehicles garaged outside California are ineligible. Risks involving transients, migratory exposures, multiple garaging addresses on one policy, and military stationed outside California do not meet the principally garaged requirement unless Good Driver exceptions apply where stated. Preferred/acceptable business includes private passenger vehicles used for personal driving, commuting, and certain incidental business or professional use such as sales/service reps, real estate or insurance agents, lawyers, doctors, accountants, and occasional business errands. Restricted/declined driver classes include drivers with more than one suspended/revoked-license violation in the past 3 years, wrong-side/freeway violations, vehicular manslaughter, more than one major violation, more than one chargeable accident, more than 6 surcharge points, more than one alcohol-related violation in 10 years, any under-21 driver with any alcohol-related violation, narcotics/drug/felony convictions involving a motor vehicle, certain prior Aspire balances or rescissions, and any risk with vehicle-to-driver ratio above 2.00. Household disclosure is strict: all household members age 14+ and regular drivers must be listed/rated or excluded; all registered owners must be listed and either rated or excluded. Excluded drivers have no coverage, and failure to disclose can result in rescission or policy reform. Foreign and international driving experience is acceptable, but brokers must collect official photo ID with DOB for drivers lacking a verifiable license. SR-22 filings are California only and only for named insureds or immediate family members; excluded individuals cannot require an SR-22 filing. Restricted/declined vehicle classes include vehicles garaged outside California, gray-market vehicles, step/panel/cut-away vans, stainless steel cars, antiques/classics, custom/rebuilt/modified vehicles, vehicles over one ton or with more than two axles, delivery-for-fee vehicles, taxis/public passenger vehicles, racing vehicles, vehicles with fewer than four wheels, motorhomes/RVs, short-term rental vehicles, school-child transport, rental/lease/online ride-sharing vehicles, off-road vehicles, and TNC exposures including Uber/Lyft. The guide also declines many high-value, high-theft, high-performance, exotic, and certain electric vehicles; physical damage is not acceptable above stated value thresholds or for vehicles with current value under $2,500. Submission requirements are operationally important: brokers do not have authority to bind under the broker agreement; coverage is only bound when down payment is made on the application date, application is uploaded electronically, a policy number is issued, effective date does not precede payment receipt/upload, the risk fits the guide, and information is truthful. Aspire reserves final underwriting authority and may request additional information, with failure to provide it potentially leading to cancellation or nonrenewal. Required documentation includes completed application, Community Service Statement, California UM rejection/selection forms when required, named user exclusion form when applicable, proof of non-fault accidents when challenged, mature driver proof if discount is requested, and a copy of the broker quote used. Four vehicle photos are required for all vehicles requesting physical damage coverage; the checklist also states four photos plus registration are required for artisan/business-use vehicles and salvaged vehicles, and the guide notes all business-use risks require four photos and registration. Endorsements must be submitted electronically and signed by both applicant and broker. Newly acquired vehicles require documentation within 72 hours of purchase, including mileage, owner info, usage, loss payee/leasing info, photos, and devaluation form for salvage vehicles. Broker/producer notes: official producer resources include policy forms, checklists, underwriting guides, business-use and exclusion forms, trust/commission agreements, cancellation requests, and training documents for quoting/submission. Aspire highlights APEX quoting/endorsement access, policy admin portal access, multilingual service, and broker support contacts on its official producer pages.