We have teamed up with a number of underwriters that can cater for all types of non standard house insurance and clients that have been refused home insurance or are finding it very hard to obtain cover for various different reasons. Policies underwritten by Lloyds of London and our broker partners write over 99% of the risks presented to them.
Types of distressed home insurance risks that we can usually place include:
- Flood insurance / flood area or previously been flooded
- High number of claims / adverse claim history
- Criminal convictions / Ex offenders home insurance
- Unoccupied property insurance
- Flat roof property
- Subsidence and underpinned homes
- Modern construction types such as eco-friendly homes
- Refused home insurance
- Any non standard property. Our broker partner can successfully quote for 99 percent of the risks presented to them regarding refused, non standard and distressed home insurance.
Over the last few years it has been reported that over a quarter of million homes and businesses were affected by flood. This has resulted in these homeowners and businesses finding cover for flood insurance a lot more difficult. Many insurers are refusing to provide cover for homes or businesses that have been previously flooded or are deemed to be in a flood area.
The main areas in the UK that are affected by flood insurance problems include Cumbria, Northumberland, Worcester, Lancashire, Oxford, Nottinghamshire, Staffordshire, some parts of Kent, Surrey, Fyfe, County Antrim, Dorset and Cornwall to name but a few.
The bad news for home owners is that the new flood maps released by the Environment Agency includes a few million extra properties that were previously not in flood areas. In many cases these homes have never been flooded and the likelihood of flooding is minimal. These home owners are now left with difficulties in obtaining home insurance cover. Our specialist broker partners can provide cover for most UK and Northern Island homeowners.
For a quotation simply complete our online non-standard home insurance quote form. Each risk will be assessed independently and you will be contacted by a specialist in this area regarding your proposal. Due to the complexities involved in the non standard and refused home insurance market we do not provide instant online quotes.