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NTI has worked with the trucking industry to develop Driver Acceptance Criteria that supports safe and responsible driver progression.

This Driver Acceptance Guide outlines some of Your Duty of Disclosure obligations and NTI’s standard policy coverage response which may vary depending on the driver’s experience, risk profile and freight task.

Most drivers are not excluded but if your Fleet uses inexperienced prime mover drivers carrying high risk* Livestock, Refrigerated or Dangerous Goods, then depending on the radius and trailer configurations, some restrictions could apply.  For specific cover details, please check your policy wording and policy schedule closely.

If this Driver Acceptance Guide tool suggests the driver is not accepted or is excluded, you have two options:

Driver Acceptance:  

For a one-off driver review, please click here to complete an Application for Driver Approval form. This includes those drivers who fall outside of NTI's standard policy coverage, have incurred infringements in vehicles >2t carrying capacity or have Criminal Convictions.

Please note there is no guarantee of acceptance and cover will only apply if NTI confirms the driver is acceptable in writing.

Fleet Acceptance:

We offer flexible solutions to waive exclusions for Fleet customers who proactively manage high risk* drivers.  If some of your inexperienced drivers are excluded but you operate best practice driver management, please click here to complete an Application to Waive Inexperienced Driver Restrictions form.  Important: Removal of our policy exclusion / restrictions for high risk* drivers does not change Your Duty of Disclosure obligations for drivers who have incurred infringements in vehicles >2t carrying capacity or have Criminal Convictions.

Please note there is no guarantee of acceptance and cover will only apply if NTI confirms the Fleet is acceptable in writing.

Please send the completed and signed forms to your local NTI office for consideration.

*Livestock, Refrigerated or Dangerous Goods

Your Duty of Disclosure 

Before you enter into an insurance contract, you have a duty to tell us anything that you know, or could
reasonably be expected to know, which may affect our decision to insure you and on what terms.

You have this duty until we agree to insure you.

You have the same duty before you renew, extend, vary or reinstate an insurance contract.

You do not need to tell us anything that:

  • reduces the risk we insure you for; or
  • is common knowledge; or
  • we know or should know as an insurer; or
  • we waive your duty to tell us about.

If you do not tell us something

If you do not tell us anything you are required to, we may cancel your contract or reduce the amount we will pay you if you make a claim, or both.

If your failure to tell us is fraudulent, we may refuse to pay a claim and treat the contract as if it never existed.

Has your driver incurred any infringements in the last 5 years in a vehicle over 2 tonnes carrying capacity?

This includes offences such as two or more Speeding infringements; Red light; Mobile phone usage; Log book breaches; Driving Dangerously or without due care.

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