We use an automated underwriting system which uses the information you supply when you request a quote to decide whether we can provide cover and if so at what premium. In most instances we are able to provide an immediate decision and quotation.

Occasionally there may be some aspect of the information provided which means the case needs to be referred to an underwriter before a decision on acceptance and premium can be made. In such instances we notify you on screen of the need for the referral and you can then choose whether you want the referral to continue. If you decide to go ahead with the referral, the underwriter will email you once they have reviewed the case and made their decision.