If you have been refused home
insurance cover by one of the major insurers, or you are worried
about subsidence or flood risks, don't give up, it is still usually
possible to obtain home insurance at a reasonable cost but you will
need to speak to a broker who specialises in this type of work.
As well as normal cover, Insurance Choice
also specialise in non standard policies so if you have previous or current
criminal convictions, your house in the UK or abroad is unoccupied for long
periods, you have a thatched property, a house which is let to tenants, you
work from home or you own high net worth properties, etc etc etc they have the
expertise to help you. Just call for further information or to arrange a
Common reasons why you could
be refused home insurance include:
You have lodgers, or sub-let part of
You regularly or occasionally leave
your house unoccupied for more than 30 days at a time.
You share your house with someone who
is not a partner or family member.
Your house is of an unusual
You or someone else who lives with
you has a criminal conviction.
You have a home office, or use part
of the house for storing business goods.
You or your partner have a 'risky'
occupation; these include acting, sport, any connection at all with the
entertainments industry, jeweller, auctioneer ....... etc, etc, etc.
The house is not your permanent
residence, or is unfurnished.
You have been refused insurance in
Your house is in need of repair.
You own valuable stamps, coins,
paintings, medals, watches, fur coats, jewellery.
Your house is particularly valuable.
You house has a large number of
You have made either building or
contents claims over the previous four years.
Your house is in an area subject to
subsidence or flood damage.