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Insurance For Those With a Poor Credit Rating

  • Tailored packaging to keep you operating
  • Short terms polices, alternate cover options, direct debit options available

Insurance For Those With A Poor Credit Rating / History

We can help you.

Insurance companies these days prefer to deal with systems rather than understand the specific needs of their clients. That means that anyone with a poor credit rating is not offered access to the best deals, or sometimes cant even obtain a quote and therefore ends up paying a lot more for their insurance – even when their driving is unaffected by their credit history.

Similarly we regularly help clients who have no access to credit for their business insurances, including covering company vehicles and can tailor monthly or other packages to keep you operating.

We have a variety of options for you that help you get the cover you need.

Our Cover

  • Short term policies that help make insurance affordable.
  • Different cover options to reduce the premium.
  • Direct Debit plans for some insurers, who are willing to take the credit risk.
  • Bonus booster policies – our Bonus Booster policy is a 6 month policy whereby upon a claim free renewal, a full 1 year no claim discount will be applied to a new annual policy taken out. Please be advised, this is insurer specific and does not mean that you have 1 year no claim bonus, instead it will allow for discount to be applied to an annual policy. Proof of no claims bonus will therefore not be issued until 18 consecutive months claims free.
  • New Venture and start up firms.

What our clients say

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Welcome to CG TV

Welcome to CG TV

A collection of videos which outline Clegg Gifford’s products and other useful information.

  • Discover more about the products and services we can offer, for both personal and commercial insurances.
  • Check out our trade specific ‘overviews’ which can help determine the right coverage options for your business.
Discover More

What makes us special?

  • 50+ Years of experience

    Clegg Gifford were formed in 1968 which means we celebrated our 50th anniversary in 2018. In our circa 50-year history, there is not much we haven’t seen! Our storied history in the Motor Trade, Taxi and Commercial Vehicle industry ensures you won’t find many better placed Brokers to deal with your unique requirements!

  • Scale of operations

    With a network of branches, Appointed Representatives and over 800 brokers we can find cover for clients in any area of the UK. We pride ourselves in being able to find bespoke solutions for unique requirements. From architects and bankers to yacht captains and zoologists, we have covered them all.

  • Nationally recognised Claims team

    As we all know far too well, claims, and claim management is a necessary part of Insurance. Consequently, a good claims teams are worth their weight in gold! We are very proud of our distinguished team that have been nominated for ‘Claims Team of the Year’ two years in a row! Here is to hoping you won’t need to contact them!

  • Huge breadth of insurers

    Due to our heritage within the market, we have great relationships with a multitude of insurers across both personal and commercial lines. As always, our emphasis is on delivering you with flexible coverage options that help support your personal and commercial requirements. As a Lloyds broker we also have access to a range of London Market insurers.

Our Product Areas

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