Specialist and Competitive Non Standard Home Cover
Protect your home, your property and your most valuable processions with our competitive building and contents insurance
We have helped UK homeowners and tenants find competitive home cover even when they have been refused cover or had an insurance policy cancelled due to a claim in the past. We can offer cover for all the circumstances detailed below:
✔ Homes at Risk of Flood
✔ Properties with a History of Subsidence
✔ Unoccupied Properties
✔ Pending Sale
✔ Probate / Executor of an Estate
✔ Landlord OR Tenant
✔ Property Development
✔ Building an Extension
✔ Personal History and Previous Claims Insurance
✔ UK Holiday or Second Home
✔ Homeowners and Tenants with Convictions
If you have been refused cover by another provider, we can still help you get a great insurance policy that meets your needs and works for you.
Get a competitive online quote for home insurance instantly OR call our UK-based insurance team now to discuss your needs and help you find a policy that works for you: 01704 270 002
Specialist Home Cover
Our specialist building and contents cover will not only cover the structure of your home, but also the fixtures & fittings, along with your priceless possessions.
As a specialist home insurance provider, we start with the basic level of cover and allow you to build up your policy depending on what you need or what you’re concerned about. So, you only pay for the cover you actually need and don’t waste money on extras you may not necessarily need.
What’s Included in Your Home Insurance Policy?
✔ Home emergency of up to £500*
✔ 24/7 Accident and Claims Helpline
✔ Fire, lightning, explosion, earthquake and smoke, storm or weight of snow
✔ Flood Risk
✔ Escape of water or oil of domestic goods
✔ Theft, Vandalism and Malicious Acts
✔ Riot, civil, commotion, violent disorder, strike or labour disturbance
✔ Impact or collision
✔ Subsidence, landslip or heave on the land on which the building stands
✔ Building damage and standard accidental damage
✔ 10% increase in cover for special occasions such as Weddings and Christmas
✔ Moving home
✔ Freezer damage, value of the loss of food
✔ Loss or damage to garden contents
✔ Tenants liability and improvements
✔ Lock and keys
✔ Deeds and documents
✔ Legal Liability
*T&Cs apply so please speak to our experts regarding the level of cover you require.
✔ Working from Home Cover – We can extend your home cover to your home business. This optional extra is perfect for home based workers or sole traders who have stock or business equipment at home. Speak to our home experts about extending your policy to protect you and your business too.
✔ Protect Your Belongings While Away from Home – Increase your cover to protect valuable items that you often carry with you or you use away from home. This includes money and credit cards.
✔ Protect Your No Claims Bonus – Pay a little extra and protect your no claims bonus. Ask our home cover team now to find out more.
*All of our policies are subject to terms and conditions so please take the time to read our full terms and conditions before taking out a policy.
How to Make a Claim
If you need to make a claim, it is important to inform us immediately as if you leave it too late, you will need to provide additional evidence to support your claim which may delay the process.
To inform us of a household claim please call: 0330 331 0747
To inform us of a Home Emergency claim please call: 0330 331 0748
How to Change My Policy
If you need to make any changes or updates to your homeowners insurance policy please call our house insurance team. Changes and adjustments may incur an administration fee, so please check the terms of business.
How to Extend My Policy or Increase My Level of Cover
Each policy term is a maximum of 12 months. When your property insurance policy is up for renewal we will send you a renewal notification. If you would like to discuss the renewal price with us or you would like to increase your level of cover, please contact our home insurance team.
If you have a short term home policy with us and you would like to extend the policy, please contact our insurance team before the policy runs out so that we can extend the cover period for you and ensure you are always insured.