Business Details
Specialist Insurance Solutions for Non-Standard Motor Risks
Granite Underwriting has been a trusted specialist in non-standard motor insurance solutions for over 40 years. Our expertise lies in addressing complex risks that standard insurers often decline, providing tailored coverage for drivers with motoring convictions, previous claims, or specialist requirements. We maintain direct partnerships with over 200 UK brokers, offering access to underwriters who possess deep market knowledge and a flexible approach to risk assessment. Our commitment to innovation is demonstrated through our recent transition to the ICE platform, enhancing digital capabilities for broker partners.With nationwide coverage across England, Scotland, and Wales, we deliver comprehensive policies for private car, van, fleet, and motor trade insurance. Our team combines decades of industry experience with a client-centric philosophy, ensuring brokers receive technical support, competitive terms, and efficient claims handling. This combination of specialist knowledge, technological advancement, and partnership ethos has established us as a strategic partner for brokers serving high-risk motor insurance needs.
Services
Car Insurance
Van Insurance
Fleet Insurance
Motor Trade Insurance
Impounded Vehicle Cover
Highlights and features
- We have over 40 years of experience in non-standard motor insurance underwriting
- Our team provides direct access to underwriters specialising in complex risks
- We offer coverage where standard insurers decline through flexible appetite criteria
- We maintain a broker-first approach with dedicated claims team support
- Our policies cover nationwide across England, Scotland and Wales
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Exceptional claims journey
Knowledgeable team
True partnership
Proactive development
Zero complaints
Services
Car Insurance
Specialist private car insurance for drivers aged 23+ with non-standard profiles. Covers high-risk areas, inexperienced drivers, and those with motoring or criminal convictions. Available as comprehensive, third-party fire & theft, or third-party only policies with nationwide UK coverage. Policies accommodate impounded vehicles and failed ID verification cases.
Van Insurance
Tailored van insurance for self-employed professionals and businesses using vehicles up to 3.5T GVW. Covers carriage of own goods, hire & reward, and commercial use. Accepts drivers with adverse claims history or previous policy cancellations. Available with 30-day impound cover and flexible named driver arrangements.
Fleet Insurance
Comprehensive fleet insurance for businesses operating three or more vehicles. Supports taxi services, credit hire, self-drive hire, and commercial fleets. Offers flexible cover periods from 7 days to annual terms. Accommodates drivers aged 23-70 with comprehensive, TPFT, or TPO options and dedicated claims team support.
Motor Trade Insurance
Specialist insurance for motor traders including mechanics, valeters, and retailers. Covers road risks for drivers aged 25+ with comprehensive protection. Accepts applicants with adverse credit history or previous claims. Supports diverse business models from home traders to established premises with nationwide UK coverage.
People
Lloyd Allen
Managing Director
With Doddle Cover, Lloyd has partnered with Granite Underwriting for several years. He praises their knowledgeable team, responsive service, and strategic approach to non-standard motor insurance solutions.
Paul Wheeler
Insurer Relations Manager
As Principal Insurance's representative, Paul highlights Granite's proactive development approach and exceptional claims handling, noting their support has delivered zero client complaints during his partnership.
Lance Testa
Director
Lance, from Business Insurance Solutions Ltd, describes Granite as a strategic partner with market-leading expertise, crediting their enterprising approach for sustained growth in their mutual account.
Questions
What non-standard motor risks do you specialise in?
We specialise in covering drivers with motoring convictions, criminal records, previous claims, no claims bonus issues, and impounded vehicles across private car, van, fleet, and motor trade sectors.
Can drivers with criminal convictions obtain cover?
Yes, we provide motor insurance for drivers with criminal convictions (excluding terrorism) through our specialist underwriting process that assesses each case individually.
What fleet sizes do you insure?
We cover fleets starting from three vehicles upwards, including minifleet policies for smaller operations and standard fleet products for larger commercial requirements.
Do you insure imported vehicles?
Yes, we provide cover for imported vehicles where an equivalent UK model exists, subject to our underwriting criteria for private car and van insurance policies.
What motor trade businesses do you cover?
We insure mechanics, bodywork specialists, valeters, tyre fitters, MOT stations, and car retailers with road risk coverage for drivers aged 25+ and associated business liabilities.
How do you support broker partners?
We offer direct underwriter access, dedicated claims teams, flexible appetite criteria, and digital tools through our ICE platform to support brokers placing complex non-standard risks.
