Non-Standard Household

If you are having any issues placing Non-Standard Household business, Nelson Policies at Lloyds can help! Each enquiry will be reviewed and underwritten on its own merits, with terms provided on the same day.

Appetite – Non-Standard features

• Non-Standard Construction
• Flat Roofs (Various types of construction)
• Insureds with previous Claims Experience
• Insured with known Convictions / CCJ / Liquidation / Bankruptcy
• Insured with known declinature
• Previous Subsidence including underpinning
• Temporary Unoccupied Premises
• Listed Premises
• Business use from the home
• Premises undergoing renovations
• Guest Houses / B&B
• Part let premises including holiday let annex / outbuildings

Unfortunately, we are not able to cater for the following –

• Mid or high networth
• Grade 1 listed
• Thatched construction

Limits

• Maximum Sum Insured is £3,000,000 any one risk
• Property Owners Liability up to £5,000,000 any one risk
• Minimum premium per policy is £75.00 plus IPT