A matter of perspective.

The definition of non-standard is a moveable feast, largely determined by the tastes of standard insurers. Andrew Newman says that what was once a true niche is now fiercely competitive mainstream business.

This year marks a significant turning point for non-standard motor,
with Insurance (GB) going into run-off and St Paul being bought by Norwich
Union. The mass migration into the non-standard arena has now sparked its
very own 'big bang', and what was once a niche has now become
mainstream.


The wheel has turned full circle since Cloverleaf first revealed that so
called 'sub-standard' business could prove profitable. Although they
opened their book in 1969, it was many years before the non-standard
se