Convicted drivers are on the whole just normal drivers who’ve had the misfortune of getting stopped or flashed. With the huge numbers of cameras on the roads these days there are many more convicted drivers than people expect!
It is surprising therefore that so many large insurers and brokers won’t touch convicted drivers. Many of the largest insurers operate only via algorithms and decline any risk that doesn’t fit in their box. This is where you need a specialist like Quote Detective! Whilst we invest heavily in systems we underwrite the old fashioned way by looking at all the aspects of the risk and then try to find an insurer to place it with.
Quote Detective specialise in hard to insure risks such as convicted drivers so whilst you may pay a little more if you have driving endorsements we will normally be able to find you insurance. It is always important to fully disclose any convictions even if it reduces your options – failing to disclose a material fact may well cause issues in the event of a claim.
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.