Intelligently Specialised Insurance
Whether you’re a homeowner with a unique property, a tenant, or sharing your space with flatmates, we’ve got you covered. Our specialist home insurance policies extend to those who might have faced challenges securing insurance in the past—be it due to previous claims, insurance refusals, criminal records, or financial difficulties.
Professionals from all walks of life, especially those in sectors considered ‘high risk‘ will in most cases be able to secure cover with us. From politicians, childminders and home-based businesses, our cover recognises your profession and provide the right home insurance for your needs.
Unique Properties deserve unique protection
Our expertise lies in insuring properties as unique as the individuals who inhabit them. Whether you reside in a heritage listed building, a steel-framed or timber-framed house, a converted barn, or even a completely unique non-standard build, your home is safe with us.
Properties in flood-prone areas, regions with high theft rates, homes susceptible to subsidence, or those undergoing renovations are all within our coverage capabilities. This includes unoccupied homes, properties in probate, holiday homes, second homes, and accommodations serving as B&Bs or guesthouses.
Specialist Insurance Cover Levels
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Buildings Insurance
Cover for the main structure of your home if you need to repair or rebuild it
Up to £1 million -
Content Insurance
New for old cover for belongings kept in your home
Up to £100,000 -
Alternative Accomodation
Covers the costs for you and your family including pets to live elsewhere while your home is undergoing repair after an insured event
Up to £50,000 -
Trace and Access
Replacement and repair to any parts of the building that are removed when tracing escape of water
Up to £5,000 -
Accidental Damage
Cover for accidental breakages or damage to your buildings or contents eg putting your foot through the ceiling, or spilling paint on your carpet
Optional -
Personal Belongings
Cover for items you take outside of the home with you, such as mobile phones
Optional -
Specified Items
Cover for valuable items you specific separately on your policy
Optional -
Pedal Cycles
Cover for our bicycle(s) when taken away from the home
Optional
Documents
Policy Booklet
The policy booklet explains all of the general terms and conditions that apply to your Intelligent Insurance policy and optional cover
Terms of Business
This important document provides details of our fees, how to cancel or complain, and details about who regulates Intelligent Insuranc
Information Documents
The Insurance Product Information Documents (IPIDs) summarise the key levels of cover and restrictions that apply
*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.
