Business Details
22 Years
experience
Specialist Insurance Services for Convictions & Financial Challenges
We specialise in providing essential insurance cover to individuals routinely refused by mainstream insurers due to unspent criminal convictions, insolvency, or voided policies. With over 15 years of experience, we work exclusively with insurers registered with the Financial Conduct Authority (FCA), ensuring protection under the Financial Services Compensation Scheme (FSCS). Our expertise lies in underwriting bespoke insurance solutions for high-risk cases, including motor, home, and business insurance. We hold Coverholder status with Lloyds of London and maintain partnerships with major insurers like Ageas and Aviva.Our team of 11 professionals, including industry-recognised experts, prioritises transparency, ethical practices, and personalised service. We actively support social enterprises and charities focused on prisoner rehabilitation and reintegration, reflecting our commitment to fairness and second chances. Our Google-recognised authority in this niche market underscores our leadership in addressing complex insurance needs for disadvantaged individuals.
Services
Motor Insurance
Home Insurance
Public Liability Insurance
Professional Indemnity Insurance
Social Enterprise Insurance
Motor Legal Insurance
Travel Insurance
Unoccupied Property Insurance
Details
- Year established: 2004
Highlights and features
- We have over 15 years of experience in high-risk insurance underwriting.
- We hold Coverholder status with Lloyds of London for bespoke policies.
- Our team includes FCA-recognised experts in complex insurance cases.
- We guarantee FCA-regulated protection under the Financial Services Compensation Scheme.
- We actively support prisoner rehabilitation charities and social enterprises.
Associations and certifications
- Financial Conduct Authority
What people say
Excellent service
Helpful staff
Competitive quotes
Stress-free experience
Non-judgmental approach
Services
Motor Insurance
Specialist motor insurance for drivers with criminal convictions, bankruptcies, or voided policies. We partner with niche insurers to provide comprehensive coverage where mainstream providers decline. Our brokers negotiate competitive premiums while ensuring full disclosure compliance, with expertise in high-risk cases like dangerous driving convictions. Clients benefit from personalised policy structuring and FCA-regulated protection.
Home Insurance
Tailored home insurance solutions for individuals with adverse financial histories or unspent convictions. We secure coverage for buildings, contents, and unoccupied properties through specialist insurers. Our team ensures transparent terms and competitive pricing, with expertise in complex cases requiring additional risk assessment. Policies include standard protections with customised excess arrangements to accommodate high-risk profiles.
Public Liability Insurance
Custom public liability insurance for businesses owned by individuals with criminal records or insolvency histories. We specialise in securing coverage for tradespeople, fleet operators, and commercial enterprises through niche markets. Our underwriters work directly with Lloyds syndicates to structure policies meeting industry-specific requirements while maintaining affordability for high-risk applicants.
Social Enterprise Insurance
Insurance packages designed for social enterprises and charities supporting offender rehabilitation. Services include discounted premiums for non-profits, tailored liability coverage, and policy structuring aligned with funding requirements. We prioritise organisations focused on prisoner reintegration, offering flexible terms and dedicated account management to support their operational sustainability.
Professional Indemnity Insurance
Specialist professional indemnity policies for self-employed individuals with adverse backgrounds. We cater to consultants, tradespeople, and service providers requiring protection against negligence claims. Our brokers access niche markets willing to underwrite coverage for applicants with convictions or bankruptcies, ensuring compliance with industry regulatory requirements while maintaining competitive premium structures.
People
David Tarry
Director
With over 15 years in high-risk insurance, David leads underwriting strategies and maintains key insurer relationships. He specialises in complex motor and business policies, frequently handling cases declined by mainstream providers.
James Wilkinson
Senior Broker
James manages high-volume client cases, focusing on motor and home insurance for individuals with adverse records. Recognised for exceptional customer service, he consistently secures competitive quotes for challenging risk profiles.
Vicki Miller
Account Manager
Vicki specialises in household insurance and social enterprise policies. She provides tailored support for clients with bankruptcies, ensuring transparent policy terms and competitive pricing through specialist insurers.
Mike Boland
Insurance Advisor
Mike focuses on commercial liability and fleet insurance solutions. His expertise includes negotiating coverage for businesses owned by individuals with unspent convictions, maintaining strong insurer partnerships.
Helen Bennet
Customer Service Lead
Helen oversees client onboarding and policy implementation. She receives consistent praise for clear communication and compassionate handling of sensitive cases involving criminal disclosures.
Questions
Can you provide insurance if I have a criminal conviction?
Yes, we specialise in covering individuals with unspent convictions. We work with insurers accepting high-risk cases, ensuring fair pricing and full compliance with disclosure requirements.
How do you differ from comparison websites?
Unlike aggregators, we manually underwrite policies through specialist markets. Our brokers negotiate directly with insurers like Lloyd’s of London, securing coverage mainstream platforms cannot offer.
What insurance types do you offer?
We provide motor, home, public liability, professional indemnity, and social enterprise insurance. All policies cater to applicants with adverse backgrounds through niche market partnerships.
Do you charge extra fees for high-risk cases?
No additional broker fees apply. Premiums reflect insurer risk assessments, but we guarantee competitive pricing through our exclusive insurer relationships and underwriting expertise.
Are your policies FCA-regulated?
All policies originate from FCA-authorised insurers. We hold FCA number 306620, ensuring client protection under the Financial Services Compensation Scheme for eligible policies.
How quickly can you arrange coverage?
Urgent cases receive same-day quotes, with policy implementation typically completed within 24-48 hours. Our brokers prioritise swift service for time-sensitive insurance needs.
