Car Insurance Tailored to You
We specialise in finding fair and affordable coverage for drivers who don’t fit the standard tick-box approach of mainstream insurers. Whether you’ve been declined due to previous claims, driving convictions, cancelled policies, or other factors, our dedicated team does the hard work to track down the right policy for you.
Catering to the Underserved
Most insurers decline drivers who don’t fit a perfect risk profile. At Quote Detective, we specialise in unique circumstances and help drivers who struggle to get reasonable quotes elsewhere.
Flexible Payment Options
We know insurance is a big expense, which is why we offer a range of payment options to suit your budget and lifestyle. Choose to pay in full or spread the cost with affordable monthly direct debits.
Vehicle Usage-Based Cover
No two drivers are the same, and neither are their needs. We offer tailored policies to cover: everyday driving (commuting, shopping, school runs), business use for one workplace and business use for multiple workplaces.
Why Choose Quote Detective?
Unlike insurers who rely purely on computer algorithms, we take a human approach to insurance. Our team of experts examines the real circumstances behind each customer’s driving history, looking at factors such as:
New or young drivers struggling with high first-time premiums
Drivers with convictions who need fair coverage
Recent relocators with no credit history in the UK
Self-employed workers or those with unusual occupations
Drivers with a history of policy cancellations or claims
We don’t just sell policies – we investigate, understand, and advocate for the underserved drivers who need real solutions.
Optional Extras for Extra Peace of Mind Enhance your policy with additional products:
Breakdown Cover – Stay protected in case of an unexpected vehicle failure.
Key Cover – Get assistance if your keys are lost or stolen.
Replacement Vehicle – A courtesy car to keep you moving after an accident.
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cAR Insurance FAQs
Yes, it is a legal requirement to have valid car insurance in the UK. Driving uninsured could result in a fine, points on your licence, a driving ban, or even your car being seized by the police.
If your car is parked up and not being driven, it must still be insured unless it has a Statutory Off-Road Notice (SORN) registered with the DVLA.
The minimum legal cover in the UK is Third Party Only (TPO) insurance.
✔ Covers damage or injury caused to other people and their property
❌ Does not cover damage to your own car in an accident
For more protection, you can opt for Third Party, Fire & Theft (TPFT) or Comprehensive Cover.
If you’re unsure whether your car is insured, check the Motor Insurance Database (MID). Simply enter your registration number, and it will confirm your insurance status.
Note: The MID may take a few days to update, but don’t worry—we provide a cover note immediately after purchase as proof of insurance.
Absolutely! Once your payment is processed, we can set up your policy immediately, so you’re insured and ready to go.
Unfortunately, we cannot accept No Claims Bonus (NCB) from outside the UK. However, we’ll still work hard to find you the best deal possible.
We offer flexible payment options:
Pay in full for the lowest total cost
Spread the cost with affordable monthly direct debit plans
Let’s find a car insurance policy that works for you – Get a Quote Today!
Choose Quote Detective for Your cAR Insurance
For many of our customers car insurance is their second biggest expense after their rent. Car insurance has been going up for the last few years and so we’ll do our best to help you find the best deal. We specialise in what we call non-standard motor insurance – that’s people with motoring convictions, little or no driving experience, criminal convictions, fast or expensive cars, poor credit history or other factors causing the large insurers to pull out of the market.
There are some tricks to help bring your insurance costs down for example increasing your excess, limiting your mileage, limiting young drivers, paying annually but for some the best thing to do is to get some driving experience on the car and then talk to the professional at Quote Detective.
We look at all aspects of the risk and verify any information via our databases to help build a case to the insurer.
Helping you to find the right insurance helps us to grow our business – we recently insured our 100,000 customer since we started this in 2016.
Issues surrounding non-standard motor insurance
...Before Quote Detective...
In the world of insurance, ‘non-standard’ is a term that often raises eyebrows. So, what exactly does it mean? For many mainstream insurance giants, it translates to a swift ‘no’ issued by an algorithm, leaving countless individuals stranded without coverage. At Quote Detective, we see non-standard as an opportunity to make a real difference. Instead of relying solely on computer-generated decisions, we’ve assembled a team of dedicated detectives who dive deep into the unique risks our customers present. This approach allows us to craft tailored insurance solutions that may include factors like the age of the driver, recent relocations with no credit history, unusual occupations, or even driving convictions. We’re proud to have insured a diverse clientele, from Premier League footballers to Formula 1 drivers, pop stars, and everyday individuals with ordinary jobs.
While non-standard insurance might involve a few more questions, we believe in the importance of getting the details right – it’s the foundation of insurance that truly serves the people it protects.
