Mike Stafford, Business Development Manager, explains the thinking behind the idea:
“Having been insurance broking for over 30 years I have come to the conclusion that more and more Insurance Companies are being run by Accountants who look only at the bottom line profit figure.
"This, in turn, means they look for the better risks only and the quickest way to put a policy on the books.This generally involves buying online and some pretty strict rules.
"To some, that presents no problem but to those who cannot tick all the right boxes, or those who would rather like to talk through their insurance requirements with a human being, this certainly does not help.
“The Government recognised recently the age discrimination shown by Insurers especially in the travel insurance market. However, that is only the tip of the iceberg. At present, there are millions of people in the UK who do not fit the standard requirements for insurance.
"There is no legislation to make Insurers “signpost” people in the right direction to providers who may be able to offer a policy, thus leaving the client to fend for themselves. Take home insurance for example.
"Those who live in a designated flood or subsidence area, those with an unspent criminal conviction or those whose home has been built with unconventional materials could struggle.
"Similarly, the businessman who does not want to be bombarded with insurance jargon online would probably rather go back to the good old days of discussing his policy with an Insurance Broker. This is where Hard To Insure steps in.”
HARD TO INSURE itself does not give insurance advice or offer quotations but, instead, has a panel of FSA registered Insurance Brokers who deal with the enquiries, all of whom are specialists in their own field.
