Private Car

From drivers with a drink driving conviction, to those considered high risk, we have specialist insurance to suit your customers.

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Private Car Insurance

Granite Underwriting’s Private Car products are aimed at the non-standard motor insurance market.

We look to compete in areas that are not well supported by traditional motor insurers. In the main, our pricing is of a bespoke nature that enables us to understand each risk on its own merits.

You can obtain your quote via our online portal or get in touch via any of the methods below.

Please click the following link to visit our short term private car agent portal.

We also offer Impound Release – this 30-day restart policy scheme will allow your customer to recover their car or van from the Impound, whilst giving you the time to arrange an annual policy to suit their needs.

 We provide cover for…

  • Drivers with motoring convictions
  • Drivers with an accident history
  • Drivers with certain criminal convictions
  • Inexperienced drivers
  • Short period cover
  • High premium due to multiple risk factors
  • Bespoke vehicles or certain modified vehicles

Phone Number

0345 092 0701


[email protected]

Hold On Cover

[email protected]


Mid-Term Adjustment Process

Firstly, call the number 0345 092 0701 and select the correct option. After your discussion with Granite Underwriting, you will then communicate the outcome of the call to the customer. Following this, please send details of the adjustment and agreed rate to [email protected]. This will then be followed up by our team.

What does Granite Underwriting do?

We are a specialist MGA who have been established since 1982 and currently place business in excess of £75m Gross Written Premium a year.

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.

What insurance does Granite Underwriting like to underwrite?

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

  • Motoring convictions
  • Criminal convictions
  • 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 by 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 advisers.

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

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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.