We’re experts in arranging home insurance for individuals with a bankruptcy history, low credit rating, or previous insurance refusals. Our policies are designed to meet the unique needs of every homeowner and tenant, ensuring you receive the protection you deserve.
Through our innovative approach and collaboration with a select panel of insurers, we offer competitive rates that reflect your current circumstances, not your past.
Our Defaqto 5-Star rating is a testament to our commitment to providing high quality cover.
Absolutely. At Intelligent Insurance, we specialise in arranging home insurance for individuals with a bankruptcy history, including recent cases. We understand that financial challenges can happen to anyone, and we’re here to help you secure the coverage you need without unnecessary financial strain.
While a bankruptcy history may be problematic for standard insurers, we assess policies on a case-by-case basis to offer competitive rates. We take into account your specific situation to ensure you can obtain quality home insurance at a fair price.
Our approach is inclusive and tailored. While some insurers might consider bankruptcy history a risk factor, we aim to provide comprehensive cover that meets your needs.
We offer several additional coverage options to provide comprehensive protection for your large house. These include accidental damage cover, legal expenses, and coverage for valuable personal property, among others.
Intelligent Insurance approaches home insurance cover with a smart, personalised touch. Understanding that each property and homeowner’s circumstances are unique, we tailor our policies to your needs.
This intelligent approach ensures that whether your home is a standard build, a listed property, or has unique characteristics, your insurance coverage is as individual as your home.
We’re committed to providing protection that adapts to your specific needs, offering peace of mind and comprehensive cover for both buildings & contents.
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
Start by getting an instant quote that’s tailored specifically to your needs, ensuring you receive a proposal that understands your background without delay. Once you’ve selected your policy, we take care of the details, ensuring a seamless transition to comprehensive protection under our care.
We believe that your financial history shouldn’t be a barrier to securing a stable future. We’re committed to providing a comprehensive, tailored approach to home insurance, backed up with excellent customer service and expertise. If you prefer, you can talk directly to one of our team via live chat
As the trusted choice for homeowners and tenants navigating financial challenges, we invite you to discover the difference with Intelligent Insurance. Let’s work together to secure your home insurance, ensuring that you’re protected with a policy that truly understands and meets your needs.
Get an online quote to insure your home, contents or both combined, no matter what your circumstance
For help with a quote, use our online chat to speak with a member of our team
*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.
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.
