FAQs

Frequently asked questions

Car Insurance

What types of drivers does Granite Underwriting's car insurance cover?

Granite Underwriting specialises in providing car insurance for drivers who may not meet the standard criteria set out by traditional insurers. This includes clients who may be considered high risk, including drivers with motoring or criminal convictions, those with previous insurance claims, drivers who have no existing No Claims Bonus (NCB), and individuals who have had their cars impounded.

Does Granite Underwriting offer cover for drivers with motoring convictions?

Yes, Granite Underwriting specialises in providing car insurance for drivers who may have a motoring conviction. Taken on a case-by-case basis, with a flexible approach, Granite could help those who have found it difficult to secure cover through mainstream insurers due to past driving offences.

Can inexperienced drivers get car insurance from Granite Underwriting?

Yes — recognising that new or inexperienced drivers can often face challenges securing cover through traditional insurers, Granite Underwriting can provide policies that assess an individual’s risk profile based on their own merits; although, it is worth noting that the minimum age for private car insurance with Granite Underwriting is 23.

Are there any restrictions on the types of cars covered?

Vehicles are covered up to a maximum value of £50,000. All ABI-listed (Association of British Insurers) vehicles are covered, subject to criteria. Imported vehicles will be accepted if there is an equivalent UK model.

What makes Granite Underwriting's car insurance unique?

Granite Underwriting’s motor insurance stands out due to its specialism in providing cover for non-standard and high-risk car drivers: providing private car insurance solutions for drivers that may struggle to find cover elsewhere.

Van Insurance

Does Granite Underwriting provide van insurance for non-standard drivers?

Yes, Granite Underwriting offers van insurance for non-standard drivers, including those with motoring convictions, adverse claims histories, or no No Claims Bonus (NCB). A flexible approach assesses each risk individually, ensuring that drivers who may be declined by standard insurers can obtain cover.

Can Granite Underwriting insure commercial vans used for courier or delivery services?

Yes, Granite Underwriting provides van insurance for a range of commercial uses, including courier and delivery services. Specialising in cover for drivers with unique risk profiles, Granite can offer insurance solutions for those who use vans for business purposes, whether full-time or part-time.

Does Granite Underwriting insure self-employed van drivers?

Absolutely — Granite Underwriting supports self-employed van drivers across various industries, including sole traders and small business owners. Whether the van is used for transporting tools, making deliveries, or attending customer sites, self-employed professionals and small-business owners using vans up to 3.5T GVW for work are catered for.

Is own goods usage covered by Granite Underwriting's van insurance?

Yes, tradespeople and delivery drivers requiring cover for carriage of own goods or hire & reward (goods only) could obtain this type of cover with a Granite Underwriting van policy. Please note: this cover is for own goods usage — please contact us for more information.

Fleet Insurance

What types of vehicles and businesses are covered under Granite Underwriting's fleet insurance?

Granite Underwriting’s fleet insurance covers a variety of vehicles, including cars, MPVs, minibuses, vans, and lorries up to 7.5 tonnes Gross Vehicle Weight (GVW). They cater to businesses such as taxi services, couriers, commercial vehicle operators, credit hire companies, and self-drive hire outfits. Cover is available for fleets starting from three vehicles and more with Minifleet policies and ten or more vehicles for the standard fleet product.

What are the benefits of choosing Granite Underwriting's fleet insurance?

Granite Underwriting’s fleet insurance simplifies the management of multiple vehicles by consolidating them under a single policy. This approach reduces paperwork and administrative tasks, potentially lowering overall insurance costs. Flexible driver options are available, including any authorised driver and multiple named drivers aged between 23 and 70. Coverage levels include Comprehensive, Third-Party Fire & Theft, and Third Party Only.

What are the periods of cover that Granite Underwriting offers for its fleet policies?

Various cover periods are available for both smaller (Minifleet) and larger fleets: from as little 7 days cover, up to annual fleet policies.

Is Granite Underwriting’s fleet insurance suitable for taxi operators?

Yes, Granite Underwriting offers fleet insurance options suitable for taxi operators, including public and private hire vehicles. Granite’s fleet policies accommodate fleets of different sizes and driver arrangements, helping taxi businesses manage their insurance efficiently under one plan.

Motor Trade Insurance

Who is eligible for Granite Underwriting's motor trade insurance?

Granite Underwriting provides motor trade insurance for a wide range of businesses, from sole traders operating from home to larger enterprises with premises. Cover is available for all kinds of motor trader, including mechanics, valeters, bodywork specialists, and car retailers. Clients with diverse backgrounds will be considered, including those with adverse credit histories or previous claims.

What does Granite Underwriting's motor trade insurance cover?

Granite Underwriting’s motor trade insurance includes road risks for drivers aged 25 or over and associated liability risks. This comprehensive coverage ensures that businesses involved in the motor trade are protected against legal liabilities arising from the use of motor vehicles in connection with their operations.

Can part-time traders or mechanics get motor trade insurance from Granite Underwriting?

Yes, Granite Underwriting insures both full-time and part-time motor traders. Whether you’re running a small operation from home or a larger setup with premises, they provide flexible motor trade policies that cover road risks and business liabilities.

Policyholder FAQs

How can I make changes to my existing policy with Granite Underwriting?

To make changes to your policy, such as adding or removing drivers or vehicles, please contact your broker in the first instance.

Can I cancel my policy with Granite Underwriting?

Yes, you can cancel your policy at any time. However, cancellation fees and refund policies may apply depending on the terms of your policy. To cancel, please contact your broker.

How do I make a claim with Granite Underwriting?

To make a claim, please visit our claims page for all relevant information. You’ll need to provide details about the event, including date, location, and any third-party information. For more guidance, you can also review our Claims FAQs below.

Broker FAQs

How can brokers manage Granite Underwriting policies?

Granite Underwriting offers dedicated online portals for brokers, facilitating easy policy management on behalf of their clients. These portals are designed to streamline the process, allowing brokers to manage policies efficiently and access necessary resources. Click here to access our portal page.

What support does Granite Underwriting provide to brokers?

Granite Underwriting prides itself on offering exceptional service to brokers, providing support when needed and providing solutions for brokers’ clients. Brokers can contact Granite via our broker help and support page.

Visit the portal page to login as a broker and manage a policy on behalf of a client.

Does Granite Underwriting provide training or support for new brokers?

Granite Underwriting offers comprehensive support for brokers, including onboarding guidance, access to a dedicated portal, and direct support from an experienced team. This ensures that brokers can confidently and efficiently serve their clients using Granite’s insurance products.

Brokers can send a direct enquiry for more information or if you have any specific broker-related requests.

Claims

Who should I contact if I need to make a claim on my policy?

Please contact us directly by calling 0173 274 7100 Our new claims line is open 24 hours a day, 365 days a year. You can also text ‘CLAIM’ to 83118 for a call back. You will then be guided through the claims process.

What information will I need to provide when making a claim?

The information required will depend on the nature of your claim; however, the more information you can provide, the smoother the claims process will be. If you can please be ready to provide your policy number, details of the incident (date, time, location, and circumstances), and the details of any other parties involved (including their vehicle and insurance information if applicable). Any supporting documentation such as photos, police reports, or witness details will also support your claim.

How long do I have to submit a claim?

Please call 0173 274 7100 to report the claim within 24 hours of the incident. Reporting your claim sooner will enable us to support you faster, as this will allow us to attend to the claims process more quickly. There may also be late-reporting excesses applied to your policy — please read your policy schedule or contact your broker for more details.

What happens after I report a claim?

When you report your claim, we will gather all relevant information to progress with said claim. The timeline of your claim can vary depending on the nature of the incident, but you will be kept informed throughout the process. If you would like to discuss an existing claim, you can call us on 0173 274 7100 during our office opening hours, which are: 9am to 5pm, Monday to Friday.

Will making a claim affect my No Claims Discount (NCD)?

The impact of a claim on your No Claims Discount will depend on the terms and conditions of your insurance policy and the nature of the claim. Please refer to your policy schedule or contact your broker for more details.

What should I do if I've been involved in a motor accident?

If you’ve been involved in a motor accident, ensure the safety of yourself and others first. Exchange details with the other involved parties (name, address, vehicle registration, and insurance details if possible). Take photos of the damage and the scene if it is safe to do so. Contact the police if necessary. Please report the incident as soon as possible by calling 0173 274 7100.

My vehicle has been damaged. What is the process for getting it repaired?

Once your claim has been reported, you will be guided through the repair process. You will be guided to a repair workshop approved by Granite Underwriting. If you have any further questions while your claim is open, please contact us by calling 0330 331 0714.

What should I do if I suspect my vehicle has been stolen?

If you suspect your vehicle has been stolen, you should immediately report it to the police and obtain a crime reference number. Then, contact us as soon as possible on 0173 274 7100 to report the theft and begin the claims process. You will need to provide the police crime reference number and any relevant information about the vehicle.

I've received a claim from a third party. What should I do?

If you receive any communication regarding a claim from a third party, please do not respond directly. Instead, forward all documentation to your insurance broker immediately. They will then handle the third-party claim on your behalf.

How will I be kept updated on the progress of my claim?

We will keep you informed of the progress of your claim. You can also call our claims team on 0330 331 0714 (Monday to Friday, 9am to 5pm) — they will be able to answer your questions and provide updates as and when they become available.

Who can I contact if I have questions about my claim?

For any enquiries you may have regarding an open claim, please contact our claims team on 0330 331 0714 (Monday to Friday, 9am to 5pm), and they will endeavour to answer any questions you may have.

What happens once my claim is settled?

Once your claim is settled, you will be informed of the outcome and any next steps, such as payment or the completion of repairs.

Need further support?

Learn how you can reach out to us on our Contact Us page.