Hi Lee,

Thanks for the feedback buddy.

As a broker we purely earn a commission for placing risks and as you have identified, Underwriters exclusions do lose us business from customers like you that we do want to cover. It's particularly annoying in cases like yours when geographically you're only a mile or two away from your original postcode (ie. PR8 southport is really close to L37 Formby), but with the specific quote that we gave the Underwriter concerned excludes most "L" postcode areas.

We are expanding our panel of Underwriters to boost both our coverage and ranges of products that we can offer and we hope our broader range of Insurers to be available in the first quarter of next year.

Our main specialist schemes can cover pretty much any modification (inc nitrous/roll cages) for high performance vehicles, they are well established with us but do exclude specific individual area's/vehicle models that have historically performed badly for 3 consecutive years.

I can understand as to why they exclude certain problematic issues based upon their own respective experience, they do this rather than having to subsidise poor performing areas by loading the average rate.

But clearly there is a rate for everything and we are souring further Insurers to improve our presence, so hopefully we'll be able to help you and your fellow members that we couldnt this time around.

Kind regards & best wishes

Tony

Ps. I'm glad that our rate was enough to convince your existing Insurers to improve their offer, it's just a shame that they didnt offer you the best they could do first time around.