# KGM Well Done Any Driver CV Scheme (/docs/insurers/kgm/well-done-any-driver) --- type: Document title: KGM Well Done Any Driver CV Scheme description: Scheme terms, endorsements/admin and Any Driver declarations (25-75, 30-75) for KGM's Well Done CV scheme. status: stable sources: - id: fok-1 resource: "KGM Any Driver Declaration (25-75)" - id: fok-2 resource: "KGM Any Driver Declaration (30-75)" - id: fok-3 resource: "Well Done Scheme 01.2026 v3" 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 ksor_version: 0.0.60 --- ## KGM Well Done Any Driver CV Scheme — acceptance criteria & terms Marked restricted as a default judgment call, not a confirmed classification: this scheme document includes commission rates (10%) and broker-specific terms (Agency DW156), which is more sensitive than a public-facing appetite guide. Confirm the right visibility tier with the domain owner. Agency: DW156. Version 01.2026 v3. Scheme intent: grow and protect a profitable account. The price match facility is only applicable to data-enriched companies and products with greater than 10% commission. The facility relies on the broker's specialist knowledge, so business must only be written within the agreed term. Evidence of Well Done's extra validation controls must be saved for audits. The scheme is subject to full audit as and when required, with full files made available within 7 days of request. Terms: maximum vehicle value £30,000. No electric vehicles. No unspent criminal convictions. Upskilling to Any Driver is doubled for AO25 risks and +75% for AO30 risks, subject to a minimum full 2 years' licence held from the UK or EU. Decline the following occupations/trades: entertainment industry, amusement/arcade/circus/fairground workers, artists and musicians, carers and care assistants, delivery drivers, journalists, general dealers and market traders, professional sportspeople and TV personalities, roofers and scaffolders, unemployed. Drivers with points are included on the screen calculations. Minimum £500 excess all sections, with windscreen at £125. Minimum premium £1,000 plus IPT. Risks are transmitted via the KGM £1 scheme. Policies are subject to 10% commission. Named drivers with points are input on OGI. Postcodes: as per the postcode rating file (not embedded here — see the rating table, not this guide, for exact postcode decisions). Area 35 and over is a decline. Override code: use "IREV" on all cases. ## KGM Well Done Any Driver CV Scheme — endorsements & administration Marked restricted as a default judgment call, not a confirmed classification — same reasoning as the scheme terms entry for this document. Confirm the right visibility tier with the domain owner. Endorsements: CAM (Dash Camera, all policies) — any compulsory excess is waived if dash camera footage covering the period of and immediately prior to an accident is provided within 48 hours. PB (Protected Bonus, when protected NCB selected) — the no-claims bonus is retained provided no more than 2 claims would have prejudiced the bonus in four consecutive years; underwriters still reserve the right to apply terms or increase premium. Y25 (Drivers Under 25, all policies) — no liability attaches while the vehicle is driven by anyone under 25 unless specifically named on the policy. WXS (Windscreen Excess £125, all comprehensive policies) — compulsory windscreen/glass excess is £125 via the approved supplier, or £150 elsewhere, replacing the policy document's stated amount. Mid-term adjustments: subject to normal scheme acceptance criteria. Calculate using the current annual premium, the new annual premium including changes at the CV IHP rate, charge the difference pro rata plus the adjustment fee. Fees (before IPT): new business £10, adjustment £10, cancellation £25, return premiums not given under £25 after any fee. Cancellations: pro rata less the £25 cancellation fee. No refund if a fault or open claim (excluding windscreen) has been reported in the policy period. Temporary adjustments: vehicle or driver changes should be referred to underwriters. Audit process: two audits per annum scheduled; if the first audit scores above 86% and the Earned Loss Ratio is below 70% and remains so at the second audit's due date, the second audit is not required. Well Done also reserves the right to undertake additional audits at its discretion, with external partners, at a convenient time for the broker. A printed copy of the rate matched must be retained for all new business, mid-term adjustments, and renewals. Cases placed outside scheme acceptance criteria without referral must be replaced. The facility may be withdrawn with immediate notice. ## KGM Well Done — Any Driver Declaration (25-75) Marked restricted, matching the visibility of the sibling Well Done scheme entries this declaration belongs to (kgm-well-done-scheme-terms.md, kgm-well-done-scheme-endorsements-admin.md) — confirm with the domain owner. Declaration confirming all drivers who will drive on the policy: are over 25 and under 75 years of age; have held a full UK/EU licence for a minimum of 24 months; have a minimum of 24 months' UK driving experience; have had no claims or accidents in the last 3 years; have no motoring convictions in the last 5 years; have no unspent non-motoring criminal conviction. The broker can run free conviction/claims history checks on request. Standard endorsements applied to policies under this declaration — CAM (Dash Camera), PB (Protected Bonus), Y25 (Drivers Under 25), WXS (Windscreen Excess £125) — are the same endorsements defined in kgm-well-done-scheme-endorsements-admin.md; see that entry for full wording rather than duplicating it here. ## KGM Well Done — Any Driver Declaration (30-75) Marked restricted, matching the visibility of the sibling Well Done scheme entries this declaration belongs to (kgm-well-done-scheme-terms.md, kgm-well-done-scheme-endorsements-admin.md) — confirm with the domain owner. Declaration confirming all drivers who will drive on the policy: are over 30 and under 75 years of age; have held a full UK/EU licence for a minimum of 24 months; have a minimum of 24 months' UK driving experience; have had no claims or accidents in the last 3 years; have no motoring convictions in the last 5 years; have no unspent non-motoring criminal conviction. The broker can run free conviction/claims history checks on request. Standard endorsements applied to policies under this declaration — CAM (Dash Camera), PB (Protected Bonus), Y25 (Drivers Under 25), WXS (Windscreen Excess £125) — are the same endorsements defined in kgm-well-done-scheme-endorsements-admin.md; see that entry for full wording rather than duplicating it here.