We all know that finding insurance cover can be quite hazardous even for Mr. or Mrs. Average. But if you have had insurance refused things can get really frustrating.
At SIS we’ll consider quoting for anyone, no matter what their background or insurance history – even if you have been declined insurance. We deal with a growing number of enquiries from clients who have been refused insurance cover either by their existing company or when searching the market. If you fall into any of the following categories, or have had trouble finding cover for any other reason then please give us a call, or fill in your details online – and we’ll call you at a time convenient to you.
Motoring Convictions
A lot of the household name brokers & insurance websites won’t cover you if you have certain motoring convictions, driving bans or points on licence – we will. You may have been refused cover due to a number of motoring convictions, or may be just back off a ban and your old broker won’t offer you terms. It is one of our specialist areas to find you cover at the right price not just if, but especially if you have points or convictions! Remember that we need all the necessary information to get you a quote, which means all motoring convictions in the last 5 years – so it may be best to check your licence first.
Criminal Convictions
Over 7 million people in England and Wales alone have picked up some sort of criminal conviction in their life. But still, many direct insurers and brokers (large and small) still refuse to cover clients with criminal offences, and do not have even a basic understanding of the Rehabilitation of Offenders Act 1974. We deal with many clients who have been told by their existing insurer that they will no longer be allowing them to renew, once they have disclosed their conviction. SIS is different. As long as you are upfront and disclose all the information that is relevant, we will find the right insurer at the most competitive premium we can.
Non Disclosures
Probably the main area of insurance refusals we deal with is the area of ‘non disclosures’. Usually this means you have had your last policy voided by your insurer. This happens for a whole variety of reasons – usually related to refused claims. If your last insurer has ‘thrown a claim out’ it is often because they deem you have not disclosed some information to them which would have either affected the insurance premium considerably, or made you unacceptable in the first place. You needn’t think you are now uninsurable. When we quote you we’ll take all the normal details, get as much information as to why you have been voided by your last insurer and get you the best deal we can.
