High Risk Driver

We manually underwrite all high risk policies, going the extra mile to keep your customers on the road

All of us have a past and some are more interesting than others. At ERS we can look at the full picture to offer nonstandard motor insurance for car and van. Our specialist team will use their knowledge and experience to listen to your customers’ history and needs to write a bespoke and tailored policy.

Cover for drivers that have been banned from driving within the last 5 years
Cover for drivers who have multiple driving convictions in the last 5 years
Cover for drivers with previous cancellations or voidances
Cover for drivers with unspent non-motoring convictions
Cover for both cars and vans
Stand-alone breakdown cover available
Access to a specialist High Risk underwriter
Market leading turnaround times
  • Risks for drivers with adverse motoring and/or personal histories including but not limited to:
    • 6 or more driving licence points within the last 5 years.
    • Convictions which resulted in a driving ban within the last 5 years.
    • Previous cancelled or voided policies or special terms imposed.
    • Unspent criminal convictions excluding fraud or sexual offenses.
    • Drivers disclosing previous CCJs and/or bankruptcy.
    • Combinations of the above (subject to acceptability).
  • Vehicles must be less than 15 years old, valued over £1,000 and below 7.5 tonnes.
  • Driver ages between 21 to 69 excluding those with unemployed occupational status.
  • All drivers must hold a Full UK licence and have at least 2 years driving experience.

Got a high risk driver risk that needs underwriting?