The twilight zone

Schemes is a niche area within the insurance industry - that's a given, but what about niche schemes within the schemes sector? How profitable is it to offer cover for a milk-float or a funeral car? Most means of transport need insurance - even powered wheelchairs and scooters should have third-party insurance cover - according to recent recommendations from the Department of Transport.

Niche motor schemes

On the face of it, the opportunity to create a scheme for vehicles such as horseboxes mi