'Computer says no'

Why it can be difficult to insure 'non-standard' properties

16th August 2021

If you are of a certain generation, you’ll remember the ‘computer says no’ sketch from Little Britain, where David Walliams’ miserable character, Carol, failed to help customer after customer simply because their information didn’t match the data on her computer.

Although this tongue in cheek criticism of insurers who rely completely on standard customer profiles to make their decisions may seem outdated, for many with ‘non-standard’ risks it is still a very real problem.

One group that can find it particularly frustrating are ‘non-standard property’ owners. Those with ‘non-typical structure’ homes, for example, houses with thatched roofs or steel frames, prefabricated buildings, or homes made from cob or lathe and plaster. These will struggle to get a competitive quote from standard providers, and in many cases, won’t be able to get one at all.

That’s where the broker can add real value. There’s no need to search through the fine print of dozens of insurers - there is an easier way. Infinity is our bespoke platform, exclusively for brokers, designed to transact specialised property risks:

  • Choice - the platform manages multiple specialist insurers and 30+ non-standard risks
  • Ease - our online portal enables brokers to search and compare quotes from across the market and manage all customers policies and renewals from one place
  • Competitive - we offer competitive premiums for customers and great commission for brokers.

If you are sick of hearing ‘computer says no’ switch to Ceta, our computer always says ‘yes’.

You can sign up to the broker portal here.