You PM'd me to request as to why we could not cover your RS500, which I responded to in a detailed eloquent manner.

Yet despite this you choose to publically rubbish Greenlight .

We are a specialist vehicle Insurance provider who were established 11 years ago to cater for the performance/modified vehicle driver.

You portay yourself as an "exceptional risk" due to limited mileage, but have zero NCB to use due to covering these vehicles through a Traders policy previously.

Presumably the loophole has been closed, or they are now rating individually on a specific vehicle basis through your having to disclose all vehicles on traders policies these days (Motor Insurers Database requirement).

As with traders policies, classic policies that cover modified vehicles will also end up tightening their criteria and when they do there will be an awful lot of people left high & dry without NCB due to classic car policies failing to accrue NCB.

Anyone that has been on a classic policy for 2+ years without keeping their NCB current upon an everyday vehicle runs the risk of their NCB expiring and not being able to be used again - so you have to be careful and mindful of this.


Greenlight are not the only broker in the world and our exclusions are purely based upon our historic claims experience - would you continue to lose money for more than 3 years for something that is wholly unprofitable, which requires other clients premiums to subsidise the loss??

I think not!


Greenlight are UK based, have never adopted overseas call centres and do not deal with scheme Insurers who overtly utilize these call centres, we offer a decent (UK based) service with very good technical knowledge and relevant benefits such as Track cover, Like for like modification replacement and agreed value options (in addition to the usual benefits received under traditional everyday policies)

We aim to stay competitive on a long term basis through prudent underwriting/risk selection and the only way of doing so is by tracking historic trends and through the exclusion of unprofitable business sectors.

In a minority of occasions where we cannot cater for risks which fall beyond our criteria - such as yourself. But rather than simply trying an alternative Insurer/source you prefer to 'whine' publically when you have already been given a thorough PM explanation of the situation?

One analagy is a bit like you trying to force Marks & Spencer to sell Next clothing - then complaining when they dont??!!

There is a valid commercial argument for doing what we do, which we have explained on PF before and we comment via PM whenever individual members (as you did) request further information.

Within our posts we have always maintained that we will not be "all things to all men", but we are extremely competitive for those within our risk acceptance criteria.


Tony Fehily
Senior Partner
Greenlight Insurance