Where exceptional service meets specialist underwriting
Understanding Our Clients' Needs and Providing Solutions
Granite Underwriting is a specialist underwriter of niche and non-standard motor insurance, established since 1982. Our experienced team of underwriters and our flexible approach enable us to compete in areas of the market that more traditional insurers do not target. We take pride in understanding the risk and providing exceptional service, whatever the specialist product team you contact.
Specialist Insurance Products
We offer a range of specialist motor insurance products, including:
- Private Cars: We cater to drivers with motoring convictions, criminal convictions, impounded cars, fast food delivery, high-risk postcodes, adverse claims history, insurance cancelled or void, chassis numbers, nil NCB, Comp, TPFT and TPO cover, short-period policies, inexperienced drivers, EU and international licences. Our policies are underwritten by Haven Insurance Company Limited, providing quality insurance and a dedicated claims service.
- Commercial Vehicles: Our policies cater to businesses and individuals requiring commercial vehicle insurance. We understand the importance of having a reliable insurance partner to protect your business, and our policies are designed to meet the unique needs of this sector.
- Motor Trade: We offer insurance solutions for motor traders, including road risks, liability, and premises cover. Our policies cater to all types of motor traders, from small garages to large dealerships.
- Fleet: Our fleet insurance solutions cater to businesses with five vehicles or more. Our policies are tailored to meet the unique needs of each fleet and can include cover for cars, vans, HGVs, and specialist vehicles.
- Brokers: We work with brokers to provide specialist motor insurance solutions for their clients. Our products are designed to meet the unique needs of niche and non-standard motor insurance, and we offer competitive commission rates.
Our Approach to Underwriting
At Granite Underwriting, we take a flexible and individual approach to underwriting. Our underwriters evaluate each risk on its merits and provide net-rated quotations to allow you to control your own earnings. We offer an online portal for easy risk submission and issuing cover, providing a reliable and consistent approach to underwriting and rating.
Our belief is that we work together to create a mutually beneficial, long-term partnership. We pride ourselves on providing the service that we would like to receive ourselves, and our experienced team of underwriters takes the time to understand the risk and provide exceptional service.
About Us
Granite Underwriting is a trading name for Acorn Insurance and Financial Services Ltd, authorised and regulated by the Financial Conduct Authority (FCA) Registration number 311873. Our registered address is 98 Liverpool Road, Formby, Liverpool, Merseyside, L37 6BS, No. 01636368.
Red Flags and Scam Allegations
The majority of reviews for Granite Group, Acorn, and Carrot Insurance companies are overwhelmingly negative, with customers reporting poor customer service, misleading practices, and even scam allegations. Reviewers warn potential customers to avoid these companies, citing instances where they were taken advantage of, and others were left with financial losses.
Poor Employee Experience
One reviewer, Richard Warren, shares a personal account of their experiences as an IT Helpdesk support worker at Granite. He describes a toxic work environment where employees were micromanaged, forced to play office politics, and suffered from poor working conditions. He advises potential employees to avoid working for Granite and seeks employment elsewhere.
Rip-Off Allegations
Multiple reviewers accuse the company of ripping them off, citing instances where they were overcharged, promised services were not delivered, and refunds were not provided. Some reviewers share horror stories of being scammed, with one reviewer even experiencing PTSD as a result of the experience.
Positive Review
Only one reviewer, Okenemem, shared a relatively positive review, stating that the company seemed okay, with competitive rates. However, this review stands out from the rest, which overwhelmingly share negative experiences.
