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Car Insurance

Trusted cover for non-standard motor risks

Our private car insurance products are aimed at anyone aged 23 and over with a non-standard motor insurance profile or complex driving history. High-rated areas, inexperienced drivers and drivers with motor convictions are just a sample of the customers we support.

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Cover available: Comprehensive Third Party, Fire & Theft Third Party Only

Cover available:
Comprehensive TPFT TPO

Usage

Our private car policies cater for a range of uses, including:

Social, domestic & pleasure (SDP)CommutingPersonal business useHire & reward (goods)Fast food delivery30-day impound cover

Appetite

Previous claims

An understanding of how previous claims affect customers’ premiums.

Motoring convictions

Options for clients with driving convictions on their record.

Criminal convictions

Specialist car insurance for those with a history of convictions (exc terrorism) .

Cover available across GB

Nationwide coverage for motorists in England, Scotland and Wales.

Failed ID

Assistance for customers with ID verification challenges.

CCJs

Solutions for customers with concerns about financial history.

Previous cancellations

Cover for drivers with policy cancellations.

Imported vehicles

Dedicated cover for clients with imported cars.

Download our product guide and explore our appetite in more detail


“Partnering with Granite Underwriting has been a huge addition to our business over the past few years. We enjoy an open and collaborative partnership, with their team being incredibly knowledgeable, responsive, and truly committed to providing top-tier service. Granite has a wide acceptance criteria, often offering terms where others won’t as specialists in non-standard UK Motor.”
Lloyd Allen, Managing Director

Doddle Cover


"We have worked with Granite now for many years. Granite work with us on various specialist Motor products and are consistently proactive to develop what they do and always want to grow. The close support from the development team is crucial. Our clients receive an exceptional claims journey, and this is evidenced by never receiving a complaint from the time of notification to settlement - its a seamless journey'. "
Paul Wheeler, Insurer relations manager

Principal Insurance


"Granite Underwriting is a very important strategic partner for us, always working collaboratively to achieve our mutual goals. The team at Granite are first class and understand the market we operate in very well. This allows us to continually develop our relationship in ways that makes our account continue to grow. Very accessible, knowledgeable, enterprising, and open to ideas which suits our method of operating perfectly. A true partnership which is going from strength to strength."
Lance Testa, Director

Business insurance Solutions Ltd

Ready to partner with us?

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Frequently asked questions

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.