Driving Tuition — KGM discretionary points

KGM Driving Tuition — discretionary discount points

For KGM's driving tuition insurance scheme, discretionary underwriting points don't sit in a full published guide the way they do for other panel insurers — these are the points agreed directly with KGM by email correspondence, rather than in a formal underwriting guide. Anything on a KGM driving tuition risk that falls outside what's listed here needs to be referred to KGM. Confirm currency before relying on this.

KGM driving tuition CCJ referral rule: a single CCJ under £500 does NOT need referral to KGM, provided a payment plan is in place or it's already been settled — it can be agreed without referral. Two or more CCJs always need referral to KGM, with no discretion to agree without one.

KGM driving tuition mirrored bonus — new instructor introductory discount: where zero NCB is entered on the insured driving school vehicle, but the instructor has full bonus on their private car, and the instructor is 35 or older, has no claims listed, and has held a full UK licence for 5+ years — an ADI-qualified instructor gets a 60% introductory discount, and a PDI-qualified instructor gets a 40% introductory discount. Anything beyond this also needs to be referred to KGM before it's applied.