Three Castles Cover is a specialist motor underwriting business focused on serving underserved areas of the UK private car and light commercial vehicle market. Operating within increasingly segmented and price-driven market conditions, Three Castles Cover identifies customers who often fall outside the narrow acceptance criteria of automated online insurance systems.

Using identification, targeting and performance analysis, Three Castles Cover delivers competitively rated insurance products while maintaining strong underwriting discipline and market-leading loss ratio performance. Their approach enables more accurate pricing for customers who may otherwise be declined or materially overpriced through conventional distribution channels.

Working with rated capacity provided by The New India Assurance Company Ltd, Three Castles Cover underwrites both private car and light commercial vehicle products, combining specialist market insight with scalable operational capability.

By leveraging the wider pH Innovate Group ecosystem, including technology, distribution and pricing expertise, TCC is able to respond quickly to changing market conditions while maintaining a strong focus on customer outcomes, underwriting performance and long-term partner value.