If you aren’t sure if you need insurance or not, then you are not alone. So many…
FCA Authorised & Regulated
Specialist Cover Quoted within 24 hours
Dedicated UK Insurance Specialists
50,000 + Active Policyholders
Fast Specific Cover
We are industry specialists. We compare products and polices from many different insurers to save you time and money
Easy Claims Process
Accidents and Incidents can happen. When it does, rest easy knowing our team is on hand to make this process as quick and easy as possible
No mid term fees, ever
As you business grows and evolves you can be sure that we wont make any additional charges to your insurance policy so you need to scale up or down.
Refer a friend to us and you can receive up to £50. Your friend will receive the great benefits that you do too.
Specialist that understand
We know how your business works and where the potential pitfals are. Help is always on hand, whenever you need it.
Tailor made policies
We realise that one size doesn’t fit all. Our policies are expertly crafted to meet your specific requirements.
Clarity of cover and putting you first. Its built into our ethos and everything we do at Livingstones. Put us to the test, you'll be glad you did.
Positive green credentials
We support local charities and are making huge strides to reduce our environmental impact as much as possible.
To help you budget, we offer monthly installments on all of our products. A small helping hand to help with your finances.
Why would I need Non-standard cover?
Non-Standard Insurance FAQs
It should be obvious as you're unable to get standard insurance, or your circumstances are way outside of the norm.
Everything and anything, depending on what you get it for - this can be life insurance, home insurance, motor insurance, etc.
Standard insurance is usually calculated based on rates that stay similar across all insurance companies. Therefore, you could say calculations are more based on the industry, rather than the individual cases. Non-standard is the opposite, providing premiums based on the facts presented by each customer.
Effectively, it provides more affordable insurance to people with high-risk characteristics who are unable to get affordable standard insurance.
Not at all, it's simply a different financial product to consider.
Yes, and this is actually one of the more popular forms of non-standard insurance available to the market.
It's the same as all insurances in that the price varies from case to case. However, the price of non-standard insurance is far greatly influenced by the individual, rather than the insurance provider. As a general rule, the more at-risk you are, the higher your premium will be.
Why should you consider Non-Standard Insurance?
This type of insurance is usually reserved for people who present more risks than the average individual. It is required when average circumstances no longer apply. Here are a few instances where you should consider this insurance product:
- You need car insurance with a DUI record
- You need car insurance with previous motor violations
- You have a high-risk profession - stuntman, skydiver, etc.
- Your home is constructed differently and you require home insurance
- You require home insurance for a property undergoing extensive renovations
- You need home insurance for a house with a history of subsidence
- You've made too many insurance claims over a short period
- Your insurance has lapsed due to the non-disclosure of important facts
- You need financial protection but can’t get standard insurance
- You have criminal convictions
- You have a poor credit history
- You want insurance with more flexibility based on your level of risk
- You can often switch to a standard policy after using a non-standard one
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