About Intelligent Insurance
Home insurance for the details that make your situation different.
We’re a UK specialist home insurance broker, helping people find buildings and contents cover for unusual properties and personal circumstances.
From a listed building or an empty home to a previous claim or difficulty getting insurance elsewhere, we explore suitable options through our panel of insurance providers.
Why we started
Intelligent Insurance was founded by Philip Davies in 2014 to help homeowners who struggled to find suitable cover because of their property or personal circumstances.
That purpose continues to guide our work. We understand that a home, its history or the way it is used can require more consideration than a standard insurance application allows.
How we work
As a broker, we arrange insurance through a panel of providers. We use the information you give us to explore options for your home and circumstances.
Where more detail is needed, our team can discuss your situation with you and help explain the cover, conditions and excesses available, so you can make an informed choice.
Specialist insurance starts with understanding
“Non-standard” covers a wide range of homes and situations. Sometimes it’s the building itself; sometimes it’s how you use it, its claims history or your personal circumstances.
Our work involves understanding those details and finding providers that can consider them.
We help customers explore cover for:
- Listed buildings and homes of unusual construction
- Second homes and properties that are unoccupied
- Homes with a history of subsidence or flooding
- Larger homes and higher rebuild costs
- Homes with lodgers or business use
- Previous claims, refused insurance or cancelled policies
- Criminal convictions, bankruptcy or other financial difficulties
The cover available depends on your individual circumstances and the provider’s requirements.
People you can speak to
When your insurance needs a little more explanation, being able to speak to someone matters.
Our UK-based team can help with questions about getting a quote, understanding your cover, making changes or renewing your policy. We aim to explain things clearly and give you the opportunity to ask questions.
You can also use our Help Centre to find answers about your policy and our service.
Explore practical guidance on cover, policy documents, renewals and managing your insurance.
What our customers say
Meet our panel
We work with a panel of insurance providers offering options for different homes and circumstances.
Our panel gives us access to specialist products with different approaches to property types, usage and insurance history. We explore the options available based on the information you provide.
Let’s talk about your home
Get a quote online or speak to our team.
