Non Standard Residential

We have built a strong reputation within the non-standard household marketplace by consistently being able to offer competitive rates on owner occupied properties including Holiday or Second Homes (Non-let), Guest Houses, B&Bs, Business from Home and/or Holiday Let Annex.

Target Sectors

  • Non-standard Construction
  • Grade 2 Listed Properties
  • Subsidence including underpinned properties
  • Criminal convictions
  • Adverse financial history
  • Adverse claims history
  • Works and Renovations
  • Risks that have been previously declined
  • Extended Unoccupancy
  • Property with Lodger(s)
  • Standard Household

Key Features

  • Damage cover extended to additional items such as solar panels, sanitary ware, domestic and underground pipes and cables.
  • Costs of alternative accommodation or compensation for loss of rental income following an insured event.
  • Costs needed to repair or replace damaged parts of the premises as a result of sourcing and accessing leaks in respect of escape of water (limited to £2,500 any one period).
  • Contents temporarily removed for reasons such as being valued, cleaned or repaired.
  • Increased domestic water charges following an escape of water claim (limited to £1,000 any one period).
  • Replacement of locks or safes following loss of keys (£500 limit any one period).

Optional Covers Available for Owner Occupied:

  • Legal Expenses Cover
  • Home Emergency Cover

Limits Available

Maximum sum insured is £2,000,000 any one risk
Property Owners Liability up to £5,000,000 any one risk

Optional Covers Available for Owner Occupied

Legal Expenses
Home Emergency



Unacceptable Risks

  • Thatched properties
  • Any property with Japanese Knot Weed
  • Grade 1 or A Listed Properties
  • Construction with Asbestos
  • Wimpey No Fines Construction
  • Demolition Works

Contact us

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