# Aurum Motor — High Net Worth & Specialist appetite (/docs/insurers/aurum/appetite)

---
type: Document
title: Aurum Motor — High Net Worth & Specialist appetite
description: General underwriting criteria and product risk selection for Aurum's HNW and Specialist motor products.
status: stable
sources:
  - id: fok-1
    resource: "aurum motor Appetite Sheet (Jan 2022)"
generated: { by: "process:claude-code", at: 2026-09-21T12:56:20Z }
ksor:
  audience: [public]
  owner: human:vasimisap
  approval: { by: "human:vasimisap", at: 2026-09-21T12:56:20Z }
trust_tier: unverified
build_id: sha256:90bed6a582e1fba4b2bd6c66927dce23e751fe30227e8bad437b26c28f47ae91
source_commit: bc549a4402eb7fefdad306a82c002bb53cc58ba3
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---

## Aurum Motor — general underwriting criteria

Proactive tracking device required for vehicles over £40,000. No more
than 1 "no blame" claim in the last 3 years. No more than 2 minor
convictions in the last 3 years. 12 months' owned experience required
for high performance vehicles. Secure parking/property required.
Named drivers aged 19 and over with a full licence held for a minimum
of 12 months will be considered on family fleets. Minimum single
vehicle premium £1,500 plus IPT.

## Aurum Motor — product risk selection

Aurum motor is a trading name of KGM Underwriting Services Limited.

High Net Worth: wealthy, honest & careful individuals. More cars than
drivers. Lead vehicle value when new over £50,000. Policyholders aged
30 years and over. Family fleets considered. No more than 5,000 miles
per annum for a vehicle in isolation.

Specialist: emerging wealth. Professional sports & entertainment.
Experienced younger drivers on high performance vehicles.
Policyholders aged 21 years and over.