The problem
Every year, millions of UK drivers fall outside the standard insurance pricing models — young drivers, drivers with convictions, drivers whose policy was cancelled, drivers with non-UK licences, drivers with modified cars, drivers whose renewal jumped 80% with no claims.
Mainstream comparison sites either filter them out or quote so high that the answer is effectively "no." But cover does exist for almost every situation. It just lives behind specialist brokers, niche underwriters and regional schemes that aren't on the big comparison sites.
The information about how to find these insurers is fragmented across forum threads, broker landing pages, and motoring journalism that's 5 years out of date. Most drivers don't know the system well enough to navigate it.
What we do
Three things, all free:
- A matching tool that takes your real situation and shows you the specialist insurers most likely to quote you fairly. No personal data, no driving licence numbers, no fronting suggestions.
- Honest guides on every situation that locks drivers out of mainstream cover — written in plain English, kept up to date.
- An interest list for our full quote service, which we'll launch once we're FCA-authorised.
What we won't do
We won't suggest you misrepresent yourself to lower a premium. Insurance fraud is a criminal offence under the Fraud Act 2006. It voids your policy at claim time — exactly when you need it. It can put you on the IFB and CIFAS registers, which lock you out of insurance, credit, mortgages and employment for years.
The drivers we want to help have already been hurt by the system. We're not going to suggest a path that hurts them further.
Where we are right now
Pre-launch. Can't Get Cover is not currently authorised by the Financial Conduct Authority. We don't sell, arrange or advise on insurance. We provide free information and we collect interest from people who'd like a fairer service when we launch.
Our roadmap to launch:
- Now: Matching tool, guides, interest list, ICO-registered for data protection.
- Next: Introducer agreement with an FCA-authorised broker — which means we can refer you to a regulated firm and they handle the actual quote and policy.
- Then: Appointed Representative status under an FCA-authorised principal — we can take quotes ourselves under their permission.
- Eventually: Full FCA authorisation in our own right.
Each of these steps requires regulatory work and takes time. We'd rather do it properly than rush.
How we'll make money
When our quote service launches, some of the insurers and brokers we connect you with may pay us a referral fee if you take out a policy through us. This is standard in the regulated UK insurance market and will be clearly disclosed.
What we promise: commission will never determine which insurer we suggest first. Suggestions are based on fit — which insurer has the best appetite for your real situation — not which one pays us most.
Who we are
A small UK team building this in 2026. We've spent years watching mainstream insurance fail people who deserve better, and we're tired of it. We're not a big firm with a marketing budget. Everything you see here was built by hand, for honest reasons.
Talk to us
Email: hello@cantgetcover.co.uk
We read everything. We respond to most things within 48 hours.
If you're a journalist, broker, or someone working in insurance who'd like to compare notes, we'd love to hear from you.