Bad credit history

Your credit score is calculated based on several factors. These include:

New credit: applying for many credit applications in a short space of time can harm your score

Mix of credit: you can get a score boost if you can show that you can manage different types of credit

Payment history: Paying your bills on time is vital. All of these factors can harm your score:
-CCJs
-late or missed payments
-not closing unused credit accounts
-using all of your available credit every month
-not being on the electoral roll
-not having a long credit history

Outstanding balances: the amount of money you owe can affect your credit score so it is advisable to keep your balances low

Credit history: having a longer credit history helps to improve your credit score

Yes, it is possible, but each insurer has its own acceptance criteria. We specialise in arranging home insurance for individuals with bad credit, even if they have been declined by other insurers.

Yes it is a factor that many insurers use. Having a low credit score can cause premiums to be higher and some insurers may not let you pay by monthly direct debit if you have a low credit score.

To get an online quote, you’ll need to provide details about your home, possessions, and specific information related to your credit history. Our user-friendly platform guides you through the process, ensuring you receive an accurate and timely quote in minutes.

At Intelligent Insurance, we aim to provide comprehensive cover regardless of your credit history. While bad credit may be a factor in assessing risk and how you can pay for your insurance, it does not affect the level of cover you can get

Yes, we can provide both buildings insurance and contents insurance, even if you have a bad credit history. Our policies are designed to accommodate a range of circumstances to ensure your home and its contents are fully protected.