Aspire General Insurance
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Program focus - Non‑standard private passenger auto written through Aspire General Insurance Company and Aspire General Insurance Services. - Key California program shown in detail is "Savings" (effective 01/01/2025); site also lists an "Advantage" program with separate underwriting guidelines. Preferred/target business (Savings – CA) - California‑garaged private passenger autos with drivers who can be fully disclosed and either rated or excluded, and who generally have: - Limited major violations and at most one chargeable accident in the prior 3 years. - No more than 6 surcharge points and a relatively clean serious‑violation and alcohol‑violation history. - Risks principally garaged at a single residential address in California at least 10 months per year. Persons living in vehicles, transients, multiple garaging addresses, and vehicles garaged out of state are not considered principally garaged. - Drivers with U.S., Canadian, or acceptable foreign/international driving experience; foreign driving history may be used to help qualify for Good Driver status when supported by documentation and at least 18 months of U.S./Canada licensing. - Households where all members 14+ and all regular drivers are disclosed, and all registered owners are listed and rated or excluded. - Vehicles that are standard private passenger types, within cost‑new and performance thresholds, with no ineligible use (e.g., livery, delivery, TNC) and no excessive existing damage. Declined or restricted classes – drivers (Savings – CA) - Unacceptable in prior 3 years: more than one suspended/revoked license violation, any wrong‑side‑of‑road/freeway violation, any vehicular manslaughter, more than one serious/major violation, more than one chargeable accident, or more than 6 rating surcharge points. - Unacceptable in prior 10 years: more than one alcohol‑related violation (including refusal and open container). - Age 21 and under: unacceptable if any alcohol‑related violation, if primary operator of a vehicle with cost new ≥ $50,000, or if primary operator of a Sports/Sports Premium/High‑performance vehicle, unless there is more than one vehicle in the household and the young driver is not the primary driver on the high‑value/performance vehicle. - Any driver with narcotics, drug, or felony conviction involving a motor vehicle (subject to limited CA Good Driver exceptions noted in the guide). - Prior Aspire insureds with unpaid balances (unless paid in full at new business) or any prior policy rescinded for material misrepresentation (again subject to limited Good Driver exceptions). - Any risk where vehicle‑to‑driver ratio exceeds 2.0 (e.g., 5 vehicles / 2 drivers is unacceptable). - Individuals never licensed or permanently revoked must be excluded; no coverage is afforded to excluded drivers. Declined or restricted classes – vehicles (Savings – CA) - Vehicles garaged outside California or not garaged at a permanent, verifiable California residence (subject to Good Driver exception for strictly private passenger risks). - Vehicles with cost new ≥ $50,000 if: not garaged, not VIN‑etched or without passive anti‑theft, or if principal operator is under 21 or there is only one vehicle in the household with a driver under 21. - Non‑U.S. market (gray‑market) vehicles, antiques/classics, customs/rebuilt/altered or kit cars, Baja/dune buggies, step vans/panel/cut‑away vans, stainless steel cars, motorhomes/RVs, vehicles with <4 wheels, vehicles with load capacity >1 ton or more than two axles. - Commercial or public‑livery type use: transporting persons or property for a fee (pizza, newspaper, flowers, etc.), taxis, jitneys, buses, school or nursery transport, salvage, emergency vehicles, or drive‑yourself rentals. - Vehicles participating in ride‑sharing or TNC platforms (e.g., Uber, Lyft, Sidecar) or made available for rent/lease or online sharing. - Vehicles used for racing or off‑roading. - Vehicles with existing damage exceeding the selected deductible. - Certain manufacturers and specific high‑performance models are entirely unacceptable for any coverage (Savings guide maintains a detailed make/model ineligible list, including certain pure‑electric vehicles other than a few mainstream models, selected high‑end imports, and multiple luxury/performance brands). Coverage, limits and product structure (Savings – CA) - Policy terms available: 1, 3, 6, or 12 months. - Territory: coverage applies in the U.S., its territories/possessions, and Canada; no coverage in Mexico (insureds must purchase separate Mexican coverage). - Liability limits: BI offered at least at $30,000/$60,000 as of 01/01/2025; lower split limits are phased out for new business per guide notes. PD at $15,000 for new business with lower options closed to new business. - UM/UIM BI: issued unless rejected in writing; UIM cannot be purchased without UM. - UMPD: $3,500, issued unless rejected; must be written on all vehicles on a multi‑car policy and cannot coexist with Collision or Named Non‑Owner coverage. - Comp/Collision: sold as a package; deductibles from $400 up to $7,500. Coverage includes OEM‑installed permanently attached equipment. - Collision Deductible Waiver (CDW): optional, various deductibles; waives collision deductible when loss is caused by uninsured motorist (not available with UMPD or without Collision). - Special coverages: Deductible Discount Endorsement (triple deductibles for first 60 days after inception/reinstatement/rewrite with lapse), limited stereo/sound coverage to $500 after deductible for manufacturer‑installed systems, Named Non‑Owned endorsement for individuals without a vehicle or regular access, permissive use physical damage coverage via endorsement when underwriting criteria met, limited liability for certain light utility trailers while attached. Geographic and garaging notes - Program is California‑centric for the Savings guide; SR‑22 filings are issued only for California, and all vehicles on the policy must be insured with Aspire when an SR‑22 is filed. - Principally garaged means at a permanent California residential address at least 10 months per year. Students garaging vehicles away at school at a different address under the same policy, military personnel stationed outside California, and persons living in vehicles are explicitly not treated as principally garaged (unless all Good Driver/CA code exceptions apply). Submission, binding and documentation requirements (brokers) - Brokers have no authority to bind coverage outside the terms of the Broker Agreement and underwriting guidelines; accepting money or making coverage representations does not bind Aspire. - An original application will be honored as bound effective the application date only if all of the following are true: - Required down payment is taken on the date of application. - The application is uploaded electronically to the company and a policy number is issued. - Policy effective date is not earlier than the date the broker received and uploaded the down payment. - The application does not include any class of risk or type of insurance outside Aspire’s written underwriting guidelines. - All information is, to the broker’s knowledge, truthful and accurate. - Brokers must keep the original fully signed application and supporting documents on file (paper or acceptable electronic scans) in an orderly, retrievable, durable, legible, and unaltered form compatible with Aspire’s systems. - Aspire reserves the right to make final underwriting decisions and to request additional information from broker and/or insured. Failure or refusal to provide requested information can result in cancellation or non‑renewal for substantial increase in hazard. - SR‑22 filing rules: available only for named insured or immediate family members rated on the policy and residing in the household when Aspire insures all household vehicles. Owner (U) filings for owner policies; operator (T) filings for non‑owner policies. SR‑26 is filed on cancellation/expiration; filing reinstates when policy is reinstated or renewed. - Vehicle and driver information must support "principally garaged" and disclosure rules; all household residents age 14+ must be listed and either rated or excluded, and all registered owners must be listed and rated or excluded or Aspire may reform policy. Broker/producer operational notes - Producer resources, underwriting guides, checklists, and how‑to‑quote/submit training are distributed via the producer portal and the public Producer Resources page. Specific California tools include: Savings and Advantage underwriting guides (both effective 01/01/2025), new‑business checklists for each program, and various required forms (named driver exclusion, business & artisan usage, commercial/business/professional use exclusion, proof of marriage and domestic partner certifications). - Producers must use Aspire’s online portal for quoting and submission; access is credentialed through the Aspire Producers site. Issues with access are handled via administrator contact. - To get appointed in individual states (e.g., MI page as example), brokers complete an online appointment form and separately email licensing, E&O declarations, and production/loss‑run history from top auto carriers to Aspire marketing; similar processes apply in other states where Aspire operates. - The company emphasizes strict adherence to disclosure (all drivers, all owners, garaging), documentation retention, and honesty in applications; misrepresentation can lead to rescission or reformation. Advantage program - Producer Resources indicates a comparable set of underwriting guidelines, effective 01/01/2025, for the "Aspire Advantage" personal auto program. The detailed PDF was not fully accessible in this session, but operationally producers should treat it as a separate program with its own appetite, limits, and acceptability rules parallel to – but not identical with – Savings. Always reference the current Advantage guideline PDF from Producer Resources before quoting or binding that segment.