Business Details
22 Years
experience
Emergency
services
Specialist Insurance for Criminal Convictions & Adverse Financial Histories
We specialise in providing essential insurance cover to individuals routinely refused by mainstream insurers due to criminal convictions, insolvency, or voided policies. Established in 2004, our company operates under the strict regulatory framework of the Financial Conduct Authority (FCA number: 306620), ensuring all our services meet rigorous compliance standards. With over 15 years of experience, we have built trusted relationships with major insurers, including Lloyds of London, to offer tailored solutions for high-risk cases.Our team of 11 experts focuses on breaking down barriers to insurance access while maintaining transparency and ethical practices. We prioritise personal service, with direct communication channels to address client needs promptly. Our commitment to social responsibility extends to supporting rehabilitation charities and offering discounted premiums for community-focused organisations. By combining industry expertise with compassionate service, we aim to redefine insurance accessibility for marginalised groups in the UK.
Services
Motor Insurance
Home Insurance
Public Liability Insurance
Unoccupied Property Insurance
Motor Legal Insurance
Travel Insurance
Professional Indemnity Insurance
Details
- Year established: 2004
Highlights and features
- FCA-registered specialists with 15+ years of experience in high-risk insurance
- Direct partnerships with major insurers like Aviva and Lloyds of London
- Personalised service with immediate phone/email support
- Social enterprise initiatives supporting prisoner rehabilitation
- Transparent pricing with no hidden fees
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Non-judgmental support
Competitive premiums
Exceptional customer service
Quick policy implementation
Specialist knowledge
Services
Motor Insurance
Specialist motor insurance for drivers with criminal convictions or adverse driving records. We partner with niche insurers to provide comprehensive coverage options, including third-party liability and fully comprehensive policies. Our team negotiates competitive premiums while ensuring compliance with UK road safety regulations. Clients benefit from tailored support during claims processes and policy renewals.
Home Insurance
Tailored home insurance solutions for properties with voided policies or owner histories of insolvency. Coverage includes buildings, contents, and combined policies with flexible excess options. We work with insurers accepting non-standard risk profiles, ensuring protection for high-risk residential properties across the UK.
Public Liability Insurance
Essential liability coverage for businesses with adverse financial or legal histories. Designed for SMEs requiring proof of insurance for contracts or premises, this service offers tailored limits and policy terms. We specialise in underwriting for companies previously declined by mainstream providers due to bankruptcy or conviction disclosures.
Unoccupied Property Insurance
Insurance for vacant commercial or residential properties facing higher risk due to previous policy cancellations. Policies include protection against vandalism, weather damage, and unauthorised occupation. Our brokers secure coverage where standard insurers typically refuse applications due to property status or owner history.
Motor Legal Insurance
Comprehensive legal coverage for motoring-related disputes, including accident claims and policy cancellation challenges. This service supports clients with prior convictions or financial difficulties seeking fair treatment in legal proceedings. We provide access to specialist solicitors and case management resources.
People
David Tarry
Insurance Advisor
Experienced insurance specialist with over 10 years in high-risk policy underwriting. Known for compassionate client support and securing coverage for complex cases. Regularly praised in customer reviews for exceptional service and problem-solving skills.
James Wilkinson
Senior Broker
Senior insurance broker specialising in motor and business policies for non-standard clients. Recognised for expertise in negotiating competitive rates while maintaining compliance with FCA regulations. Consistently receives five-star customer feedback for professionalism and responsiveness.
Vicki Miller
Customer Service Manager
Head of customer relations with a focus on supporting clients with adverse financial histories. Implements training programs to ensure empathetic service delivery across the team. Acknowledged in multiple reviews for making disclosure processes less intimidating for vulnerable clients.
Questions
Can I get insurance with a criminal conviction?
Yes, we specialise in providing coverage for individuals with unspent convictions, ensuring compliance with disclosure requirements while securing fair premiums.
Do you offer home insurance after policy voidance?
Yes, our team specialises in securing home insurance for properties with previously voided policies through our network of specialist insurers.
How do you handle bankruptcy disclosures?
We work with insurers accepting applications from individuals with adverse financial histories, ensuring transparent underwriting processes without automatic rejection.
Are your premiums more expensive?
While high-risk cases may incur higher rates, we actively negotiate competitive pricing and have secured lower premiums than mainstream insurers in multiple cases.
Can I speak to an advisor directly?
Yes, we prioritise direct communication with our team of specialists, ensuring immediate assistance without automated call systems.
Reviews (6)
Deborah Underwood
Apr 21, 2022
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Been a customer for past 4 years. Always efficient and professional. Very easy to work with. Highly recommend SIS.
GrayZee
Mar 15, 2022
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Michelle was fantastic with me today over the phone. Professional and courtious and got the job done. Spot on. Great price and service as well.
Maggie Eames
Feb 18, 2022
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Nathan fully understood my requirements and found a suitable and affordable plan to enable me to stay with SIS for my car insurance. Really satisfied with service and advice.
Mad Max
Feb 15, 2022
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Nathan has been excellent in helping me with a difficult insurance situation, very patient and calm, would highly recommend this company.
Charlie Kitson
Feb 11, 2022
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Been a customer for over 5 years and always had excellent and professional service from them. Their advice has been outstanding, helping me secure cover for all my insurance needs at competitive prices.
Niki Jackson
Feb 05, 2022
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I was extremely happy with the efficiency, speed which SIS helped me to get re-insured after I'd been voided. Joanne Leonard was super helpful and acted quickly and turned what had been a really stressful situation into something simple and attainable. I would highly recommend this company
