Mid Net Worth Car

Client based, not vehicle based

We provide rates and policies for clients who are looking for something better than a standard car policy. They demand service, accommodation and respect, they are not simply looking to insure a one off vehicle purchase.

More often than not, the client's occupation and assets will define their qualification.

Driving Tuition

Instructors with experience

A product designed for instructors who use the vehicle as an office.

We appreciate that a speedy claims service/turnaround is key, as without a car the client cannot earn.

Connected Car

Service and cover above price

These will be clients that you have personally handled for many years, who may have many product types with you and look to you to do the best thing for them. We provide the consideration, the appreciation of your relationship with them and the expertise to deliver the best solution.

Non-Standard Van

Keeping the wheels of industry turning

We provide products for risks not written through standard transaction methods and need consideration, such as:

Adverse claims history

Adverse motoring conviction history

Criminal convictions

Occupations that can be hard to place

Vehicles of non-standard construction (e.g. catering)

Classic Car/Bike

Trust us with your loved one

Vehicles over 30 years old, used on high days and holidays.

They will be a cross between works of art and flights of fancy, the common theme being the owners undying love for the vehicle.

Passion and understanding, that's what we'll give your client, and a claims journey designed to put him/her back together with their dream.

Kit Car

You build it and we will protect it

Kit cars constructed and driven by their owners.

Understanding performance versus substance.

Claims handlers that allow clients to choose their repair path.

Modified Car

The more the merrier

Vehicles with a minimum of four modifications, whether your clients have finished their dream vehicle or are on the journey towards it, we'll know what to do.

Motorhome

Self built or self bought, protect your holidays

A product and a claims service designed with the client in mind, this isn't just a set of wheels it's their well earned holiday as well.

Non-Standard Bike

Providing viable solutions

We provide a bike product for risks that are best not written through standard methods and need consideration such as:

• Adverse claims history
• Adverse motoring conviction history
• Criminal convictions
• Occupations that can be hard to place
• Expired NCD
• Secure, but not garaged

Minibus

We have the knowledge, speak to us

We provide a product for vehicles used by:

• Schools
• Charities
• Associations
• Clubs

Motor Fleet

Cases considered on their individual merit

A considered approach to fleet underwriting for cars and vans (up to 7.5T) with a total of up to 25 vehicles, each risk will be looked at and rated individually, using our frequency or burning cost rating models.

Non-Standard Property

Might be to some, but not to us

Our definitions include:

• Listed property
• Built pre-1900
• Non-standard wall or roof construction
• Trees in the vicinity
• Renovation/Building works
• Properties not in a good state of repair
• Sums Insured driven
• Business use or visitors at the premises
• Adverse claims experience
• Convictions, CCJs, Bankruptcy

Unoccupied Property

Empty, but not forgotten

Whether it is down to extensive renovation work, sale or probate related delays, personal choice or a work commitment we will consider the risk.

We will offer flexible policies with 3 levels of cover (FLEE only, Full Perils and Full Perils excluding escape of water).

Let Property

Never out of sight or mind

We will provide insurance for both the Buildings and Contents element of the Let Property. Cover will be afforded for an extensive list of perils such as Fire, Storm, Flood, Theft etc.

Previously Underpinned

Let us back up your shoring up

The product is designed to cater for properties that have had previous subsidence, followed by either partial or full underpinning at the risk address. Copies of engineering reports and a copy of a certificate of structural adequacy will be required at quotation stage.

Holiday Home

Peace of mind to enjoy your leisure time

UK Properties that are used by the proposer for their holidays.

Home Claims

Tansar One Year On

Tuesday 21^st March 2017

Well it’s certainly been an exhausting 12 months, but perversely a hugely energising one. I don’t say much on public forums and hopefully (to quote many that know me, especially those in Compliance) I never will, but sometimes you do have to take stock and appreciate the efforts of all those who have been involved in getting you to where you are.

It is right to thank people for what they have done, so please allow me that opportunity now. I’ll try not to go in to ‘Oscar acceptance’ mode, but hopefully I’ll at least thank the correct people!!

First and foremost, our team, the effort, the ongoing sacrifices, both financial and physical that they make are truly humbling and the embodiment of who we are trying to be as a business and as people.

I will now devote the next part of my rambling to some of those that have put us where we are:

Broker Partners – You had faith in our vision and the support you have given us (and the feedback about having a partner that you can talk to and work alongside) has been truly uplifting and helped justify our reasons for the opportunity and timing.

Cover.Net – Our system provider who have managed to deliver portals for all of our classes of business as well as the usual back office functionality in double quick time.

Gefion – Our first insurer partner and for their support throughout the year and beyond. A solid insurer partner with a very strong partnership with A and A+ rated reinsurers to support them.

Lockton – For arranging our partnership with Gefion and the supporting reinsurances, but also for support above and beyond those transactions from the start.

Market Professionals – So many have advised and supported us from the moment the idea was conceived. This has been truly uplifting because as you all know, ours is an industry where the first reaction is to kick the opposition rather than focus on what they can give you.

Prestige – They have supported us through AR status, claims handling, managed services and MI and it is fair to say that without this partnership it would have been impossible to get this firm off the ground in the time that we did.

Software Houses – They have treated us as individuals throughout and have delivered everything we asked of them.

Synectics Solutions – They have helped us introduce SIRA and considered our individual circumstances throughout, giving us a further protection against those that would try and do the pool harm.

So, what is next for us, well we now have our Fleet portal live, our Household portal will be live by the end of March and we are currently working on our A&H and Group Business Travel propositions. We always set out to be multi-line and we are now delivering on that desire, adding value to our relationships.

For me personally it has been a fascinating journey and experience. Would I recommend it, well if you can tap in to half the talent and good will that we have then by all means give it a go and I tell you what, we’ll even help if we can.

Jon May
Director