Non Standard Home Insurance

Comprehensive 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.

You can get insurance from these companies through MoneySuperMarket, but this doesn’t include every single insurer on the market. 

   

HOMEPROTECT

Non Standard Home Insurance

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
DISCOUNT INSURANCE

Non Standard Home Insurance

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
INTELLIGENT INSURANCE

Non Standard Home Insurance

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
INSURANCE CHOICE

Non Standard Home Insurance

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
THE POLICY SHOP

Non Standard Home Insurance

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
GSI INSURANCE

Non Standard Home Insurance

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
QUOTELINE DIRECT

Non Standard Home Insurance

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
LLOYD & WHYTE HERITAGE

Non Standard Home Insurance

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

Your personalised chance of approval

We've taken the details you gave, and used them to show you personalised scores to tell you the chance that you application for each card would be successful.

Why is this important?

Every time you apply for a credit card, a mark is left on your credit score. That means it's better get it right first time. Your scores help you understand which cards you have the strongest chance of getting.

It's easy!

The higher the score, the stronger chance you have of getting the card. If you see a very low score, you're probably better off choosing a different card.

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If you see a high score, you can be fairly confident. The scores aren't a guarantee as acceptance of your application is at the sole discretion of the card issuer, but they should help guide your choice.

If you see a pre-approved score it may be subject to you passing additional fraud checks by the provider.

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In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer's acceptance criteria or we have not been able to march your details at the credit bureau.

We work closely with our partners to improve our eligibility scores for all products that are of interest to you.

   

How our site works

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.

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.