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Lotus Scheme Details

Membership Discount Discount/Benefit
A 15% discount applies to members of any recognised Lotus Car Club where membership has been paid for. Proof of membership will be required.

Member to Member Cover
Full policy cover is extended to the insured whilst driving any other member’s vehicle provided that both parties are members of a recognised Lotus car club and both vehicles are insured under the policy unwritten by KGM on this scheme. (Membership of an internet forum is insufficient)

Shows Rallies and Events
The insurance is extended to cover road sections of rallies, trials and events that are run and organised by a recognised Lotus car club or any event run to the Motor Sports Association regulations. Cover is extended to incorporate private land where access has been granted but excludes race, rally, test circuit, off road course, closed road sections or officially sanctioned paddock or pits area.

Multi Vehicle Policies/Discounts
We can include a variety of vehicles under one policy; these could include classic and modern cars, motor-homes and campers, car trailers etc. An increasing multi vehicle discount is applied and the more vehicles on cover, the higher the discount becomes. Vehicles added mid-term will be charged at a prorate rate of the annual premium.

Agreed Value
There is no need for an official club valuation. We normally only require six recent good quality photos to comprise, front, back, each side, engine bay and interior. Digital photos are acceptable and can be sent to us by e-mail if convenient. Market value will apply to policies until such time as photos are received and agreed by the underwriters.

Reinstatement Cover Available (Optional)
Additional cover can be included to indemnify against claims costs which would exceed the normal agreed value of the vehicle on cover. Increased cover limits for up to 25%, 50% or 75% of value is available. (Ask for more details).

These are considered on merit, there are a number of well practiced modifications on both Lotus old and new and these should not be too much of an issue. The more extreme modifications will be looked at on an individual basis.

Foreign Use
90 days free cover per annum for travel to EEC or Western European countries is included provided the annual mileage limit is not exceeded. Cover may be extended upon referral.

Track Day Cover
We do not provide track day cover under the policy.