Descrição They might be sweet about it, but First Alternative wants to be the only alternative for the UK's higher-premium drivers. With backing from Lloyds Banking Group, First Alternative specializes in insuring non-standard drivers who buy more high-value cars and incur more traffic enforcement penalties per capita. Policyholders also enjoy courtesy car benefits while their vehicles are being repaired. The company operates in tandem with sister company esure, which provides similar products primarily over the Internet. Chairman Peter Wood founded the company in 2003.