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Panel of insurers

A Choice works with a panel of insurers to find you the right insurance, at the right price. The tables below show the current insurance providers and underwriting agencies making up our panel.

A Choice insurer list

Product Main insurer or Administrator of your policy Insurance policy underwritten by Car Van
Motor insurance Ageas Ageas Insurance Limited
Motor insurance AXA AXA Insurance UK
Motor insurance Broker Direct Accredited Insurance (Europe) Limited
Motor insurance Covea Covea Insurance PLC
Motor insurance CPD Underwriting Solutions Ltd (an appointed representative of Broker Direct PLC) Accredited Insurance (Europe) Limited
Motor insurance Eridge Zurich Insurance Company Ltd
Motor insurance ERS ERS Syndicate 218 at Lloyds
Motor insurance Granite Haven Insurance
Motor insurance Highway Highway Insurance Company Limited (Part of the Liverpool Victoria General Insurance Group)
Motor insurance Insenture Underwriting Zenith Insurance PLC
Motor insurance KGM Zurich Insurance Company Ltd
Motor insurance Liverpool Victoria Highway Insurance Company Ltd. (Part of the Liverpool Victoria General Insurance Group)
Motor insurance Markerstudy Insurance Services Limited West Bay PLC
Motor insurance Mulsanne Complete Cover Group Limited / Hyperperformance Limited on behalf of Mulsanne Insurance Company
Motor insurance NIG UK Insurance Limited
Motor insurance Prestige Underwriting Services Limited Aviva Insurance Limited
Motor insurance Pukka Underwritten by Action 365 Ltd / U K Insurance Ltd
Motor insurance Sabre Sabre Insurance Company Limited

Optional extras for additional products and services

ProductMain insurer or Administrator of your policyInsurance policy underwritten byCarVan
Legal Protection Claims ServiceFinancial & Legal Insurance Company LtdFinancial & Legal Insurance Company Ltd
Key CoverSupercover InsuranceZenith Insurance Plc
Excess CoverAutohome LimitedInter Partner Assistance SA (IPA)
BreakdownERSERS Syndicate 218 at Lloyds
BreakdownHadleigh BreakdownTrinity Lane Insurance Company Limited
Replacement VehicleAll Broker Services

Strategic Insurance Services Ltd/td>

Insurance Companies can be either rated or unrated. There are benefits and disadvantages to both, so it is best to be aware of the facts before you decide which type suits you and your situation best.

What is an unrated insurer?

There are several high-profile international ratings agencies, who assess the financial stability of insurers and other financial institutions. The most well known are Standard & Poor’s, Moody’s, Fitch and A.M. Best. Where an Insurer has chosen not to be assessed, they do not receive a rating and therefore are classed as “Unrated.”

Each agency has its own method of scoring, but the ratings are usually based on letters, to indicate the degree of credit risk posed. For example, an “A” rating means the insurer has access to plenty of credit and therefore easily able to meet claims. “C” rating indicates that the Insurer has poor ability to meet outstanding claims.

There is no legal requirement for an insurer to be rated and brokers are not restricted to only doing business with rated insurers. Although Premium Choice’s preferred option is to use rated insurers, in some situations, it may be in your interests to be offered rates from unrated insurers.

Both rated and unrated insurers are capable of going bust, however unrated insurers have a higher risk of failing.

Why do we offer policies from unrated insurers?

Sometimes, these policies may be the most appropriate to you and your circumstances;

  • They may offer a very competitive and attractive premium.
  • Sometimes, we may have no other option other than to offer you a policy from an unrated insurer.
  • Some unrated insurers have been dealing in the UK for several years and are deemed to be less risky.
  • Their reputation may be supported by the Financial Conduct Authority, who themselves also authorise rated insurers.

What are the disadvantages of using an unrated insurer?

  • Unrated Insurers are at a higher risk of becoming insolvent and not being able to pay out on claims.
  • They may lack the appropriate levels of financial stability.
  • Some unrated insurers, many of whom are based in European countries, are not subject to the same solvency test and regulations as UK based insurers.
  • The unrated insurer my be difficult to contact directly should an issue or a concern about a policy arises.
  • Claims payments may be delayed.

The Financial Services Compensation Scheme

The scheme is designed to protect policyholders when UK – based insurance companies and other financial institutions become insolvent. The FSCS may pay some claims that a failed unrated insurer cannot meet, but will not offer 100% compensation in every case. For more information, visit

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