They haven't. You can be under 25 but mustnt have had any kind of black mark against u prior to them covering you. I called them the second time at 22 having owned the gtr for a year with no accidents, we hadn't even discussed claims or my age bar the fact I was under 25 and they wouldn't cover me regardless of sau paid membership based solely on my having had 3 speeding fines all under 10km over the limit over the last 3 years. So yeah, pretty strict given jci never even asked about individual fines only if I'd been disqualified or not.