At Intelligent Insurance, we help people find home insurance when their financial history may not meet the criteria used by some standard providers.
We consider each application individually and may be able to arrange cover following credit difficulties, including CCJs, defaults or missed payments.
Bad credit history is a general term covering information in your financial record that could make it more difficult to obtain credit or insurance.
Depending on the questions asked by the insurer, relevant circumstances may include:
Not every insurer treats these circumstances in the same way. Acceptance will depend on the insurer’s criteria and the details of your application.
A County Court Judgment does not automatically prevent you from obtaining home insurance.
Some standard insurers may be unable to provide cover, particularly if the CCJ is recent, remains unpaid or affects your eligibility to pay monthly. However, specialist home insurance may still be available.
When asked, you may need to provide details such as:
Providing accurate information helps the insurer assess your application and offer appropriate payment options.
A poor credit history does not necessarily change the protection provided by a home insurance policy. However, it can affect which insurers are available and how you are able to pay.
Depending on your circumstances and the insurer’s criteria, bad credit may affect:
The effect will vary between insurers. This is why it is important to answer all questions accurately and check the policy terms and payment arrangements before purchasing cover.
When arranging home insurance, you will be asked about your property, the cover you require and your insurance history.
Where relevant, insurers may also ask about your financial circumstances or preferred payment method.
Information you may need to provide includes:
You should answer the questions you are asked fully and accurately. This helps the insurer determine whether it can offer cover and on what terms.
Yes, home insurance may still be available if you have a poor credit history.
Acceptance will depend on your circumstances and the insurer’s criteria, but previous credit difficulties do not automatically prevent you from obtaining buildings or contents cover.
It may be possible to obtain home insurance with a CCJ, even if another insurer has been unable to help.
The insurer may consider when the CCJ was issued, its value, whether it has been satisfied and how you intend to pay for your policy.
It can affect the premium or payment arrangements offered, although this will depend on the insurer and your individual circumstances.
Property details, claims history, location, cover levels and other risk factors can also affect the price of home insurance.
Insurers or finance providers may use information from credit reference agencies when providing a quotation or assessing eligibility for monthly payments.
The type of check undertaken and whether it appears on your credit file can vary, so you should review the information provided during the quotation process.
Some insurers or payment providers may carry out a credit or identity check. This is more likely when you ask to pay monthly because monthly instalments are commonly provided through a credit agreement.
A credit check does not necessarily mean your application will be declined. It may be used to confirm your identity, assess payment eligibility or determine which payment options can be offered.
Monthly payments may be available, but they are subject to eligibility and the terms of the relevant payment provider. Depending on your credit history, you may be asked to pay a larger deposit or pay the annual premium in full.
You must answer the questions asked during the quotation process honestly and accurately. If an insurer asks about CCJs, bankruptcy, IVAs or other financial circumstances, you should provide complete and up-to-date information.
You do not need to volunteer unrelated information that has not been requested, but you should ask for clarification if you are unsure how to answer a question.
Buildings insurance, contents insurance or combined buildings and contents cover may be available. The cover offered will depend on the property, your circumstances and the insurer’s acceptance criteria.
Being declined by another provider does not necessarily mean that every insurer will reach the same decision. Different insurers have different acceptance criteria, and a specialist home insurance broker may be able to consider insurers that are better suited to your circumstances.
You may be asked why the previous insurer declined your application, so it is helpful to have this information to hand.
Financial difficulties can happen for many reasons and do not necessarily reflect the risk presented by your home.
We consider your property, insurance requirements and personal circumstances to help identify suitable cover from the insurers available to us.
No assumptions or judgement, just a straightforward approach to finding appropriate home insurance.
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
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*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.
You're not alone. Read our guide on how to navigate financial difficulties.
Up for renewal? Find out how your renewal price is calculated.
If you’re currently insured with us, you’ll find the documents for your policy in MyAccount.
Making a claim has never been easier – just follow these three simple steps.
Find your insurer’s claims contact details in your policy document or Schedule. Always have your policy number to hand, as it helps your insurer’s claims team quickly identify you and assist you without delay.
Call your insurer’s claims team as soon as the incident occurs. Provide a brief description of what happened and, if applicable, notify the Police within seven days for incidents like theft or malicious damage.
If required, complete and return the claim form along with supporting documents (receipts, photos, etc.) within 30 days. This ensures a smooth, timely processing of your claim.
