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May 18, 2022

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


  • 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