Non Standard Home Insurance

If you own a property with non-standard features such as a thatched roof or if you have past criminal convictions, you may struggle to find a home insurance policy to suit your needs.

We want to show you as many insurers as possible, so that you can choose what suits you best. But, we can’t promise to show you every single insurer, because some insurers don’t want to be included on comparison websites. For customers like you who have more unusual requirements to insure your house, we felt it was best to rank insurers that provide the best range of cover across non-standard issues.

Non Standard Home Insurance providers/products

    • Provider/Product name Non Standard Home Insurance

      HomeProtect

      Non Standard Home Insurance

    • Description

      HomeProtect (underwritten by AXA) provide comprehensive non-standard home insurance. They cover a wide range of residential property types including unoccupied properties and listed buildings. Policies are rated 5* by Defaqto and buy your policy in minutes.

    • Go to site

    Great for
    You can apply and pay online
    Property owners liability cover up to £5 million as standard
    Home emergency cover of up to £600 per policy period
    But be aware that
    Limited ability to manage your policy online
    All thatched roof properties will require a recent fire safety certificate
    • Provider/Product name Non Standard Home Insurance

      Discount Insurance

      Non Standard Home Insurance

    • Description

      Discount Insurance provide comprehensive cover on a wide range of property types across the UK. They offer cover for those who have a history of bankruptcy or CCJs and also those who work or trade from home.

    • Go to site

    Great for
    Legal expenses cover of £50,000
    24 hour emergency hotline
    Home emergency cover of up to £500 per incident
    But be aware that
    You cannot manage your policy online
    Minimum of £100 standard excess
    • Provider/Product name Non Standard Home Insurance

      Intelligent Insurance

      Non Standard Home Insurance

    • Description

      Intelligent Insurance offer specialist home insurance for a wide range of non-standard issues including non-standard construction and listed buildings. Policies are Rated 5 Stars by Defaqto, and customers can get a quote quickly and easily online.

    • Go to site

    Great for
    Get a quote, save/retrieve a quote and buy your policy online
    Cover available for customers with subsidence & underpinning
    Cover available for second/holiday homes
    But be aware that
    Limited ability to manage your policy online
    Thatched properties with chimneys require a minimum chimney height of 6ft above the thatch
    • Provider/Product name Non Standard Home Insurance

      Insurance Choice

      Non Standard Home Insurance

    • Description

      Insurance Choice provide specialist insurance for a variety of non-standard home issues across the UK. They cover customers who have a history of bankruptcy and receive legal expenses cover of £50,000 as standard.

    • Go to site

    Great for
    Cover for unoccupied properties
    Cover for customers with an adverse credit history
    Cover available for customers who work or trade from home
    But be aware that
    You cannot manage your policy online
    You cannot apply and pay online
    • Provider/Product name Non Standard Home Insurance

      The Policy Shop

      Non Standard Home Insurance

    • Description

      The Policy Shop have a long history in providing non-standard home insurance to customers across the UK. They offer cover for customers who have previously suffered from subsidence and those may have been previously refused home insurance.

    • Go to site

    Great for
    Cover available for unoccupied properties
    Cover available for customers with a history of bankruptcy
    Cover available for customers who work or trade from home
    But be aware that
    You cannot manage your policy online
    You cannot pay for your policy online
    Home emergency cover is optional
    • Provider/Product name Non Standard Home Insurance

      GSI Insurance

      Non Standard Home Insurance

    • Description

      GSI Insurance specialise in tailoring non-standard home insurance to your personal needs. Policies provide alternative accomodation following a claim and is available for those customers with a history of bankruptcy.

    • Go to site

    Great for
    Cover available for customers with unoccupied properties
    Cover available for houses with a history of subsidence
    Cover available for houses undergoing renovation work
    But be aware that
    You cannot manage your policy online
    Legal expenses cover is optional
    Home emergency cover is optional
    • Provider/Product name Non Standard Home Insurance

      Quoteline Direct

      Non Standard Home Insurance

    • Description

      Quoteline Direct have over 40 years experience in arranging specialist home insurance for customers. They cover customers who work or trade from home and those with a history of criminal convictions.

    • Go to site

    Great for
    Cover available for customers with an adverse legal and financial history
    Cover available for houses with subsidence issues
    Cover for thatched terraced properties
    But be aware that
    You cannot manage your policy online
    Legal expenses cover is optional
    Home emergency cover is optional
    • Provider/Product name Non Standard Home Insurance

      Lloyd & Whyte Heritage

      Non Standard Home Insurance

    • Description

      Lloyd & Whyte Heritage are a specialist thatch and listed home insurance broker providing policies from multi-award winning insurers. They offer alternative accommodation up to buildings sum insured for up to 24 months.

    • Go to site

    Great for
    Accidental damage cover for buildings and contents
    Cover for contents worldwide
    Cover for thatched terraced properties
    But be aware that
    You cannot manage your policy online
    No cover for customers with a history of CCJs

An introduction to non standard home insurance

Non standard home insurance essentially covers all those risks that are not covered in standard home insurance. This is where an insurer makes adjustments to a standard policy due to certain aspects of the insurance profile. This could mean an adjustment to the premium or a specific exclusion.

What does non standard home insurance cover?

This will cover policies which may be affected by the following:

- Properties that have been flooded or are in flood risk areas

- Properties unoccupied for a long period of time. This could be properties undergoing renovation then being sold or let. Also properties gained through inheritance.

- Criminal convictions - you must declare to your insurer or broker if anyone living in the property has a criminal conviction.

- Subsidence - if there has been a history of subsidence in the property this needs to be declared. In most cases, where the subsidence is less than twenty years ago, you will need to provide the insurer with a structural engineers report dated within the last twelve months.

Why buy non standard home insurance?

For the same reasons you would buy standard home insurance, to protect your buildings and contents. If your property is being used as security against a mortgage or loan, then the lender will insist on home insurance. To find out more about non standard home insurance and which types of property most commonly require this type of policy, read our specialist home insurance guide.

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