About Us

Granite Underwriting is a specialist underwriter of niche and non-standard motor insurance.

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We are specialist underwriters who have been established since 1982.

With our experienced team of underwriters and a flexible approach, we compete in areas of the market that more traditional insurers decline. Whichever of our specialist product teams you contact, we pride ourselves on taking time to understand the risk and provide you with exceptional service.

Given the specialist nature of the policies we underwrite, including those where the vehicle is the customer’s livelihood, we understand the need for a quality insurer partner with a dedicated claims service; therefore, all of our policies are underwritten by Haven Insurance Company Limited.


Mid-Term Adjustment Process

Each product has a specific MTA process. These can be viewed on each product’s individual page within the FAQ section.

What does Granite Underwriting do?

Granite Underwriting has grown from a small, family-owned brokerage to one of the largest specialist insurance companies in the UK with both national and international reach.

Granite was founded to service the requirements of non-standard customers with non-standard needs. Our niche offering has stood us in good stead and allowed for the development of new products within the insurance industry.

The future will see Granite continue to push forwards with innovative products and schemes, delivered with the high level of service and professionalism that our customers have come to expect.

What insurance does Granite Underwriting like to underwrite?

We specialise in underwriting several niche areas of insurance, including:

  • Motoring convictions
  • Criminal convictions considered
  • Impounded cars
  • Fast food delivery
  • High-risk postcodes
  • Adverse claims history
  • Insurance cancelled or void
  • Chassis numbers
  • Nil No Claims Bonus
  • Comp, TPFT and TPO cover
  • Short-period policies
  • Inexperienced drivers
  • EU and international licences
  • Fleets from 5 vehicles upwards
What are specialist policies?

Specialist policies are insurance policies that are not typically covered by conventional insurers. They are also often referred to as niche insurance policies or non-standard policies. We are proud to specialise in this type of cover, allowing those who may be considered high-risk by other underwriting firms to gain access to the particular insurance that they may need.

The reasons that this type of cover may be considered ‘specialist’ are far-ranging, and the types of policy that we actively seek to underwrite are covered in the section above. Rest assured that we will look to any potential cases on an individual basis, whether they are considered non-standard for a singular factor, or for a combination of multiple reasons.

How can I contact Granite Underwriting?

We are always keen to underwrite new business and are happy to answer any questions you may have. If you’re having problems finding the right insurance cover for your clients, we can help. You can call Granite Underwriting on 0345 092 0701 and you will be put in touch with one of our skilled and experienced agents.

Please visit the Contact page for further department contact details, including agency enquiries.

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Meet the Team

Alistair Rose

Alistair Rose

Managing Director

Steven Hedges

Steven Hedges

Head of Department / Operations

Mike Owen

Mike Owen

Operations Manager

James Rennie

James Rennie

Head of Motor Fleet

Gary Armstrong

Gary Armstrong

Head of Motor Trade

Jon Stringman

Jon Stringman

Agency & Development Manager

Registered Address:

98 Liverpool Road, Formby, Liverpool,
Merseyside, L37 6BS
No. 01636368

Granite Underwriting is a trading name for Acorn Insurance and Financial Services Ltd.
Acorn Insurance and Financial Services Ltd is authorised and regulated by the Financial
Conduct Authority (FCA) Registration number 311873.