Business Details
Specialist Motor Insurance for Non-Standard Risks
Granite Underwriting has been a trusted specialist in non-standard motor insurance for over four decades, serving brokers and clients across the UK. Our expertise lies in addressing complex risks that standard insurers often decline, offering tailored solutions for drivers with motoring convictions, previous claims, or unique insurance needs. We prioritise direct collaboration with brokers, providing access to experienced underwriters who understand the nuances of non-standard risks. Our commitment to innovation is demonstrated through our transition to the ICE platform, enhancing digital efficiency for broker partners.With a proven track record of supporting over 200 brokers nationwide, we combine deep industry knowledge with a flexible approach to deliver coverage where others cannot. Our team's extensive experience ensures that even challenging cases receive thorough evaluation, reflecting our dedication to both broker satisfaction and policyholder needs. This long-standing reputation for reliability and specialist insight positions us as a strategic partner for brokers seeking solutions in the non-standard motor insurance market.
Services
Car Insurance
Van Insurance
Fleet Insurance
Motor Trade Insurance
Highlights and features
- We offer 40+ years of expertise in non-standard motor underwriting
- Our team provides direct access to underwriters with specialist knowledge
- We deliver coverage for clients declined by standard insurers
- We maintain a broker-first approach with collaborative partnerships
- Our claims process achieves 100% satisfaction with no complaints recorded
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Knowledgeable team
Responsive support
Proactive development
Seamless claims journey
True partnership
Services
Car Insurance
Specialist car insurance for drivers aged 23+ with non-standard profiles. Covers high-risk areas, inexperienced drivers, and those with motoring convictions. Provides comprehensive, third-party fire & theft, or third-party only options with nationwide GB coverage. Supports clients with ID verification challenges, CCJs, or previous cancellations.
Van Insurance
Tailored van insurance for self-employed professionals and businesses using vehicles up to 3.5T GVW. Covers social, domestic, commuting, and goods delivery usage. Accommodates drivers with adverse claims histories or convictions while offering nationwide coverage across England, Scotland, and Wales.
Fleet Insurance
Flexible fleet insurance for businesses operating three or more vehicles. Covers taxis, credit hire, self-drive hire, and commercial fleets. Offers comprehensive, TPFT, or TPO options with flexible driver arrangements and cover periods from 7 days to annual terms.
Motor Trade Insurance
Comprehensive motor trade insurance for mechanics, retailers, and home traders. Covers road risks for drivers aged 25+ with diverse licences. Includes protection for sales, repairs, valeting, and recovery operations across the UK mainland with flexible policy terms.
People
Lloyd Allen
Managing Director
With Doddle Cover, Lloyd has experienced Granite's collaborative partnership approach firsthand, highlighting their knowledgeable team and commitment to top-tier service delivery.
Paul Wheeler
Insurer Relations Manager
As Principal Insurance's representative, Paul praises Granite's proactive development approach and exceptional claims handling performance with zero complaints recorded.
Lance Testa
Director
Lance Testa from Business Insurance Solutions Ltd describes Granite as a strategic partner with market understanding that supports continuous relationship development and business growth.
Questions
What types of drivers does Granite Underwriting's car insurance cover?
We specialise in covering drivers with motoring convictions, criminal convictions (excluding terrorism), previous claims, no claims bonus, and impounded vehicles.
Does Granite offer van insurance for non-standard drivers?
Yes, we provide van insurance for drivers with motoring convictions, adverse claims histories, or no No Claims Bonus through our flexible underwriting approach.
What fleet sizes does Granite Underwriting insure?
We cover fleets starting from three vehicles (Minifleet) up to large commercial operations, including taxi services, couriers, and hire companies.
Can motor traders with adverse credit history obtain insurance?
Yes, we consider applications from motor traders with adverse credit histories, previous claims, or criminal convictions (excluding terrorism) across various trades.
What areas does Granite Underwriting serve?
We provide nationwide coverage across England, Scotland, and Wales for all our motor insurance products and services.
