Granite Finance

Granite Finance, insurance premium finance in the UK

Granite Finance is a British insurance finance company based in Formby, Merseyside. Founded in 2008, its business consists of offering instalment payment solutions so that customers can meet their motor and home insurance premiums without paying the full amount upfront.

The firm serves both individual and business customers, presenting finance as an alternative to paying the full premium at the start of the policy. According to verified figures provided by the company itself as of August 2025, it processes more than three million direct debits a year, provides over £490 million in finance, and has more than 300,000 customers.

Finance and payment management services

The service is built around financing motor and home insurance premiums, with payments spread over regular instalments by direct debit. The website provides customers with a set of online tools to manage their agreement:

• Make a payment.
• Check or resolve missed payments.
• Restart your direct debit.
• Change contact details.
• Change payment date.
• Update bank details.
• Request contract documents.

In addition, the company offers information and financial guidance to those experiencing difficulties with their payments, and has a complaints procedure for cases where the service does not meet expectations.

Customer service from the UK

Granite Finance emphasises that its call centre operates from the UK and that its priority is to provide a quality customer service. For queries about the finance agreement or to speak to an agent, the company offers a webchat team accessible from its own site, as well as a contact form.

Regulation and corporate details

The entity is authorised and regulated by the UK Financial Conduct Authority (FCA) with registration number 713766. Its company registration number is 06519981 and it is part of the Acorn Group.

Location and contact

The Lighthouse, 98 Liverpool Road, Formby, Merseyside, L37 6BS · Phone: 01704 339 500