Non-Standard Insurance

Doesn't fit the mainstream mould?
There's a market that specialises in exactly that.

Modified cars, grey imports, high-performance vehicles, unusual claims history or an occupation mainstream insurers rate poorly — none of it is uninsurable. We introduce you to the schemes that actually understand these risks.

Start My Enquiry 💬 WhatsApp Us

No obligation · Specialist insurers · Response within 2 hours

ICO Registered — ZC067741
Non-standard risks welcome
Specialist insurer panel
UK based team

Simple Process

How it works

01

Tell us about the risk

Your details, the vehicle, how it is used and anything on your licence. Accuracy here matters more than anywhere else.

02

We approach the market

We put your details to insurers and schemes that cover your circumstances, including specialist markets you cannot reach direct.

03

Quotes come back to you

You see the cover, the excess and the price. You decide — there is no obligation to take any of them.

04

Cover starts

Once you choose, the insurer sets your policy up and the documents come from them direct.

Why choose us

Specialist underwriting for genuinely unusual risks

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Specialist markets

Convictions, claims, non-standard use and unusual vehicles — the schemes that cover these rarely appear on comparison sites.

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Declared properly

Non-disclosure is what voids policies. We make sure everything is on the record, so a claim cannot be refused for something you forgot to mention.

Quick turnaround

Most enquiries get a response within two hours, so you are not left off the road waiting.

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Cover that actually fits

The cheapest premium is worthless if the cover is wrong for how you use the vehicle. We check that first.

Start your insurance enquiry

No obligation. Tell us about the risk and we will come back within 2 hours.

🔒 Your data is protected under ICO registration ZC067741. We never sell your details.

✅ Enquiry received!

Thanks — one of our advisors will be in touch within 2 hours.
In the meantime, feel free to WhatsApp us if you have any questions.

Common Questions

Non-standard car insurance, answered

It covers a wide range — modified vehicles, grey imports and left-hand drive cars, high-performance or high-value vehicles, unusual claims or conviction history, and certain occupations mainstream insurers rate poorly. It's less a single category than 'doesn't fit the standard rating model'.
Yes, all of them — cosmetic or performance. Undeclared modifications are one of the most common reasons a claim is refused outright, regardless of whether the modification caused the incident.
It can be, mainly because parts and repair costs are less standardised, which affects how insurers price it. Specialist schemes that deal regularly with imports understand this and price accordingly rather than declining outright.
Usually somewhat, reflecting the specific risk, but a specialist insurer who understands your exact situation often prices it more fairly than a mainstream insurer forcing it into a standard category it doesn't fit.
Many non-standard schemes offer agreed value rather than market value, which matters considerably for a modified or high-value car where a standard write-off valuation would leave you short.