Why Panda7 might say "No" to providing you with a quote

At Panda7, we believe in black and white, like the pandas we're named after. What you see is what you get, and we prioritize transparency and clarity. That said, we can't always provide a quote for every client, nor finalize a policy—online or even with a broker. The reality is that, as an insurance company, due to our underwriting guidelines, there isn't an insurance market for everyone.

This doesn't mean you're uninsurable or too high a risk. Panda7 wants to help all its customers find the policy best suited to their needs, regardless of which of our products we help tailor to their requirements. But we would never sell you something that isn't the best for you, and if we can't provide that, then we have to say no.

You are not uninsurable

We still need to adhere to our pricing guidelines, which may not be suitable for you today. They might very well be suitable in the future, but if we said "no," it was for a good reason.

Our subscription guidelines

Every insurance company has underwriting guidelines. We can handle some risks, but not every risk imaginable. If your situation is so specialized or unique that we believe you need more coverage than we can offer, we may say no. We could technically sell you a policy, but it wouldn't be what you need most, and it goes against our core principles.

Furthermore, there are insurance catastrophes where we can limit coverage for areas more prone to major disasters. Think fire, tornadoes, etc. Panda7 might not be able to insure a large number of properties in an area susceptible to such a disaster. The risk can be a gamble on all sides.

There are also specific circumstances that we may not be able to cover simply because we can't fully determine the coverage. It can be complicated, to say the least, when you want to insure a car with all the bells and whistles, modifications, or if you live in an apartment complex with fifteen bathrooms. It can get confusing, and we always want to make sure the coverage you get is the best for you. If we don't have a 100% solution, we can't.

Panda7 wants to support its community

Panda7 lives up to its namesake panda. We are friendly, transparent, and we love nature. If we can't find you an insurance policy that best suits your needs, we'll let you know. If we can be of assistance, rest assured that we will always negotiate on your behalf and defend your interests. Our services are available 24/7, and we believe that purchasing your insurance policy, regardless of the product, should be an easy process.

We are confident that we can give you the tools you need to shop with confidence, and while we don't want you to have to file a claim, we are here for you if you do.

Panda7 fully understands its capabilities and guidelines, and we only decline when it's in your best interest. When you choose us, know that we contribute to giving back by planting trees for every submission we receive (and three for every policy purchased) – because we believe in community.