Brokers: Non-Standard Vehicle Insurance
Flexible Coverage for Unique Risks, Backed by Ratcliffes
At Ratcliffes, we understand the complexities brokers face when securing insurance for clients with non-standard vehicles. Our Non-Standard Vehicle Insurance product is designed to provide tailored solutions for unique risks, empowering brokers to meet their clients’ needs with confidence.
Comprehensive Coverage for Non-Standard Vehicles
Our product is designed to provide cover for a variety of non-standard vehicles and scenarios, including:
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Catering Vehicles
Covers a wide range of catering vehicles, such as:-
Ice cream vans, burger vans, chip vans, and Jiffy trucks.
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Bespoke conversions, including coffee vans, mobile pizza ovens, Citroën H vans, and VW Campers.
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Mobile shops, smoothie vans, hot dog vans, mobile bars, canteens, and more.
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Modified Vans
Insures vans with custom modifications, from Transit camper conversions to pimped pickups or specialised VW vans. -
Drivers with Convictions
Competitive quotes for high-risk drivers. We offer dependable solutions and peace of mind, including those with:-
Multiple speeding convictions.
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Drink driving bans or criminal convictions.
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Other "Non-Standard" Risks
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Social, Domestic & Pleasure (SDP) use or SDP with commuting.
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Left-hand drive vehicles.
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Vehicles with unusual body types, such as flatbeds, dropsides, beavertails, pick-ups, double cabs, ice cream vans, Jiffy trucks, mobile shops, and sandwich delivery vehicles, as well as vehicles with more than three seats (maximum six).
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Policyholders refused insurance or with voided policies.
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NON STANDARD Decline Rules
While we strive to offer flexible solutions, some risks are excluded, including:
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Vehicles valued greater than £30,000 (except catering vehicles, which are covered up to £60,000)
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Drivers under 25 or over 70
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Risks proposed in Company names. These are to be acceptable on our portal.
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Unemployed individuals
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‘L’ postcodes
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Scrap / waste dealers / couriers
Key Policy Details
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Driver Options and Usage:
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Any driver coverage generally available.
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Specify if drivers under 25 or under 30 need to be included.
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Use permitted for Carriage of Own Goods or Hire and Reward.
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Premiums and Excess:
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Minimum premium: £880 (£750 + Admin Fee + IPT).
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Catering vehicles / Ice Cream Vans: Reduced minimum premium of £600.
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Minimum excess: £250.
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No Claims Discount (NCD):
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Only NCD earned in the insured’s name and on a similar vehicle type is acceptable.
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Introductory discounts or foreign-earned NCDs are not permitted.
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If the NCD presented is Maximum due to being protected, rates may be calculated on a reversionary basis.
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Claims and Licence History:
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Fault accidents within the last 12 months are heavily penalised.
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Policies with protected NCD may revert to unprotected rates if risks are high.
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Penalisation for a low number of years with a full licence.
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Vehicle Requirements:
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Maximum vehicle value: £60,000. Vehicles valued £40,000+ require trackers.
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Single vehicle risks only.
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Broker Support
We make it easy for brokers to secure quotes and provide the right solutions for their clients:
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Quotation Request Form: Use our quotation form to collect the necessary information for a quote.
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Partnering with Trusted Underwriters: We collaborate with experienced underwriters specialising in non-standard risks to ensure comprehensive and competitive terms.
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Dedicated Support Team: Our team is available to assist with any queries, helping you navigate complex cases.
Why Choose Ratcliffes?
By partnering with Ratcliffes, you gain access to:
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A streamlined quoting process designed specifically for brokers.
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Competitive solutions for unique vehicle and driver risks.
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Support from a team that understands the challenges brokers face.
For questions or assistance, don’t hesitate to contact us. We’re here to help you deliver the best solutions for your clients.