A growing number of customers now have properties or personal circumstances that can be problematic to insure. We have a dedicated specialist team dealing with non-standard construction, unoccupied properties, previous subsidence or flooding, high value buildings/contents.
We use a panel of specialist insurers, so if you are struggling to obtain an insurance quote, then we may be able to help provide you with a quotation despite any of the following.
Unoccupied properties - Properties undergoing renovation, awaiting sale, or in probate.
Previous subsidence or flooding - Whether directly affected or in an area susceptible to such, we will do our utmost to obtain the best level of cover we can.
Adverse financial or claims history - Bankruptcy, CCJs or similar. A high number of claims or even a claim that is still open are all considered.
Criminal convictions - All convictions are considered under our “Fairplay” scheme, even if the conviction is not considered spent by the Rehabilitation of Offenders Act 1974.
Non-standard construction - Anything from timber or steel frame properties, flat and/or eco roofs, pre-fabricated homes, listed buildings, cob wall, thatched roof among others.
Lodgers or paying guests - Any such person paying to reside in your property with or without a formal agreement in place.
High value buildings and/or contents - If you require buildings cover of more than £1 million or contents cover of more than £100,000 then you would benefit from having a specialist policy to meet your needs.
Non-standard landlord risks - Houses of Multiple Occupancy, tenancy agreements direct with a council or housing association, asylum seeker lets, blocks of flats among others.