Hi Ryan,

We can cover drivers 21-24 up to £15k without referral, it is possible to go beyond this level if we can convince an Underwriter that you're a good proposition (ie. NCB/Experience).

£15k is quote a lot of cash for a car and historically we found that many drivers aged 21-24 simply didnt own vehicles beyond this.

There is a very low purchase rate for these and some of our Underwiters can tend to take the stereotypical view that we/our client is dreaming of a 'one day purchase' rather than proceeding to buy the car (+ the Insurance).

If however, we prove there to be a justifyable business case for these risks and get an influx of these we would begin by referring to Underwriters, who if piloted successfully would ultimately look to expand our schemes to cater for them.

Pm me if you'd like me to get involved.

Kind regards

Tony