Non-standard risks: When risks don't fit
David Whitaker discusses the trials of obtaining non-standard insurance and explores how brokers can go about placing these risks.
In today's volume-driven, auto-rated world it is easy to see why brokers and the public are frequently left twisting in the wind when trying to obtain non-standard insurance. If risks do not fit the narrow underwriting criteria of a standard risk the computer will often simply say 'no'. Some non-standard risks may, of course, be placed by brokers, more often than not by asking a favour of a friendly underwriter. Even so, placing these risks can be a lottery as, quite simply, commoditisation has
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