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.
To help you find the right policy, we've joined forces with some of the UK's leading non-standard home insurance companies so you can rest assured that your property will be protected.
Read our guide to non standard home insurance
- Flood risk insurance
- Thatched homes
- Subsidence
- Listed buildings
- Unoccupied buildings
Our directory of non standard home insurance providers Deals and offers from big name companies |
|
Whatever your circumstances The Policy Shop can help! We have a long history in household insurance and as a result are able to offer policies where others can not. Whether you have previously suffered from subsidence, or flooding we have a policy for you! Criminal convictions? Previous claims? Bankruptcy? Previous policy cancelled or refused? No Problem!
|
|
|
|
Insurance Choice specialise in non standard home insurance. We can offer you cover when other insurers won't. We cover unoccupied properties, let properties, properties that have suffered subsidence, properties in flood risk areas or previous flood claims. We can also cover adverse claims history, any criminal conviction, and when you have had insurance refused or cancelled in the past.
|
|
|
|
homeprotect takes a fresh approach to online home insurance in the UK. No matter your circumstances we aim to provide an immediate quote via our award-winning online service, or via our UK helpdesk. All circumstances catered for including non standard construction, flooding, subsidence, unoccupied properties, convictions, insurance refused, bankruptcy, adverse claims history and home business use.
|
|
|
|
With over 40 years experience arranging home insurance, our dedicated team will individually underwrite each case to obtain our best rates and terms for you. All types of non-standard risks catered for and specialising in unoccupied properties, high sums insured, properties of non-standard construction and customers with unfortunate claims histories, including houses that have flooded.
|
|
|
|
Difficulty finding insurance for your property? We have over 25 years experience offering protection for hard to insure homes. We can cover buildings of non-standard construction timber framed properties, those with part or all flat roofs, listed or very old buildings, houses which have been underpinned/have a history of subsidence, homes in flood risk areas and short term unoccupied properties.
|
|
|
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
- Unoccupied Properties 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
Moneysupermarket.com Limited is an appointed representative of Moneysupermarket.com Financial Group Limited, which is authorised and regulated by the Financial Services Authority (FSA FRN 303190). Moneysupermarket.com Financial Group Limited, registered in England No. 3157344. Registered Office: Moneysupermarket House, St. David's Park, Ewloe, CH5 3UZ. Telephone 0845 3455708.
