One insurer’s decision does not necessarily mean you cannot find cover elsewhere. The first step is to understand whether your application was declined, an existing policy was cancelled or your insurer decided not to offer renewal.
When you request a quote, give accurate details about what happened and why. We can then consider your circumstances and see whether one of our specialist insurers may be able to offer suitable cover.
We may be able to help if:
Insurers assess both the property and the people applying for cover. A new application may be declined, an existing policy may be cancelled or renewal may not be offered for different reasons.
Common factors can include:
Ask the insurer why it could not offer cover and keep any written explanation it provides.
You will need to give accurate details when requesting another quote. A specialist provider may be able to consider circumstances that fall outside a standard insurer’s criteria.
Possibly. It depends on why the policy was cancelled, when it happened and whether anything has changed since.
Be ready to provide the cancellation date, the insurer’s reason and any supporting information requested. All applications remain subject to underwriting.
Ask why renewal has not been offered and start looking for alternative cover before your current policy ends.
When obtaining another quote, explain the reason for non-renewal and answer all questions fully and accurately.
An application can be declined for reasons relating to claims history, the property’s condition or use, occupancy, construction, location, occupation, credit history or information supplied during the application.
The insurer that declined the application should be your first source for the specific reason.
Answer every question on an insurance application fully and accurately.
If the quote journey asks about previous refusals, cancellations, voided policies or declined renewals, provide the requested details. Incomplete or inaccurate information can affect the validity of cover.
You may still be able to obtain cover, but the number, type, value and timing of previous claims can affect the options available.
Our quote journey will ask for the details needed to consider your claims history.
Yes. You can start an Intelligent Insurance quote online and provide details about your home and previous refusal, cancellation or non-renewal.
Completing the quote does not guarantee that cover will be available, and all applications are subject to underwriting.
Every refusal has a reason, unusual construction, a past claim, a flood-risk postcode.
We cut through the tick-boxes and build a policy around the home you live in today.
Subsidence history, eco-build or standard brick terrace, we shape cover that fits: buildings, contents, the lot.
Nothing generic, nothing wasted, just the “yes” you were told you couldn’t get.
Family Legal Protection Plus extends this cover limit to £50,000 and increases the range of legal disputes that you’re covered for.
Enjoy complete protection with extended emergency callout cover with up to £1,000 per callout, £1,000 Total Claims Limit/Year, Boiler & Heating System cover & Alternative Accommodation
Cover for accidental breakages or damage to your buildings e.g: putting your foot through the ceiling, or accidental breakage of glass
Tell us about your home and the reason cover was refused, cancelled or not renewed. We may be able to find suitable cover from our specialist panel.
*We may not be able to quote in all circumstances. Cover limits/restrictions and/or conditions may apply to the policy. These are clearly detailed prior to purchase, and in the policy documentation for you to determine if the cover is suitable for your needs.
Browse our intelligent reading list of articles, guides and tips at your own convenience.
Find out why your claims history can lead to being refused home insurance cover.
Discover common reasons for being refused cover and what you can do next.
“Being turned away by other insurance companies was really frustrating, but Intelligent Insurance helped where others couldn’t. I followed the process and was able to get a home insurance quote. It was worth it.”
If you’re currently insured with us, you’ll find the documents for your policy in MyAccount.
