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Non-standard and high-risk driver insurance

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High risk driver cover.
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Insurance for drivers with limited experience.
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Cover for non-standard vehicles.
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Who is a non-standard or high-risk driver?

There are several reasons why you may be considered a non-standard or high-risk driver.

If you are a driver with low levels of driving experience and a higher vehicle value, you might be considered non-standard or high risk by some insurance companies, meaning higher premiums. If you have a high claims history, driving convictions, or if you live in certain postcode areas, you should contact us or get a quote online.

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The benefits of our high-risk driver insurance

  • Cover for high-risk drivers
  • Drive whenever you like with no curfew
  • Claims helpline open 24/7
  • Friendly call centre to help answer your queries 
  • Pay in full and instalment options available
  • Optional extras, including legal protection and breakdown cover
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How to improve your risk status

As a high-risk driver, there are steps you can take to improve your driving profile. Your risk status might not change overnight, but making these smart choices can have a lasting impact on your insurance premium.

  1. Improve your driving habits: Taking steps to become a safer driver can help lower your perceived risk. Consider enrolling in an advanced driving course and be sure to avoid speeding violations.
  2. Install safety devices: Dash cams can make your vehicle safer and provide evidence in the event of an accident. This may make high-risk motor insurance premiums more manageable.
  3. Increase your voluntary excess: By agreeing to pay a larger portion of any claim yourself, you show insurers that you’re willing to take on more responsibility. This may lower your overall cost of non-standard car insurance.

High risk car insurance experts

We have over 25 years’ experience in helping drivers who might be considered non-standard to find competitive car insurance.

As a specialist insurer, we believe you should have access to an insurance policy that’s tailored to your requirements. That’s why our team of underwriters can help you secure competitively priced niche and non-standard motor insurance.

At A Choice, we understand that being classified as a high-risk driver doesn't mean you should settle for sub-par insurance. We're not just about offering you a policy – we're here to find a solution that suits you, with options that can help you regain control of your driving future. Whether you're dealing with a high claim history, limited driving experience or driving convictions, we ensure that you're treated fairly.
Richard Dornan
Underwriting Director

Why pick A Choice for high-risk car insurance?

  • We’ve sold over 1 million policies across more than 25 years, helping high-riskdrivers find car insurance to suit them.
  • We collaborate with some of the UK’s leading insurance providers to secure the best deals for you.
  • Our core values include kindness, respect and integrity, so we prioritise treating you without judgement.
  • We’re members of the British Insurance Brokers’ Association andauthorised and regulated by the Financial Conduct Authority, so we’re committed to upholding the highest ethical standards.

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FAQs about non-standard and high-risk vehicle insurance?

Whether you have one or more convictions, we can help you find the right coverage. Offering high-risk motor insurance is one of our specialities.

Yes, you will generally face higher motor insurance premiums due to the perceived increased risk to insurers. However, we work with multiple providers to find the most competitive rates for your circumstances.

Yes, you must inform us if your vehicle has been modified because it can affect your premium.

If you fail to tell us about any modifications, your policy could end up being invalid in the event of a claim.

If you’re unsure about a modification, please contact our team on 0330 127 4500.

Yes, if your circumstances change, we can adjust your high-risk car insurance or non-standard insurance accordingly. If you’ve had a change in your driving record, vehicle or risk profile, we can ensure your policy reflects any changes to avoid any gaps in your coverage.

Breakdown cover is an optional extra that you can add to your high-risk insurance policy. This covers the cost of roadside assistance and can help provide peace of mind if your vehicle breaks down while on the road.

We cover a wide range of vehicles, including cars, vans and even some modified or non-standard vehicles. If your vehicle is considered non-standard or modified, be sure to inform us, as certain changes may affect your premium or coverage options.

Get high-risk vehicle insurance with A Choice

We specialise in providing high-risk vehicle insurance to suit your unique needs. With over 25 years of experience, we understand the challenges high-risk drivers face and offer competitive rates without compromising on cover.

If you have any questions about high-risk driver insurance, please feel free to contact a member of our team on 0330 127 4501 or via email.

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This page was last reviewed in October 2025.