# Non-standard risks: When risks don't fit

In today's volume-driven, auto-rated world it is easy to see why brokers and the public are frequently left twisting in the wind when trying to obtain non-standard insurance. If risks do not fit the narrow underwriting criteria of a standard risk the computer will often simply say 'no'. Some non-standard risks may, of course, be placed by brokers, more often than not by asking a favour of a friendly underwriter. Even so, placing these risks can be a lottery as, quite simply, commoditisation has