Home Insurance with Claims History | Intelligent Insurance
Specialist cover after past claims

Home insurance with claims history

Past claims should not shut you out of cover.
We look at the full picture and give you a fast online quote that often lands in minutes.

Five star quality, fair price, zero hassle.

holiday home insurance

Why insurers care about your claims history

Insurers price risk by looking at the past and multiple claims are a red flag. FCA data shows some UK providers accept fewer than 55 percent of home insurance claims.

At the same time, the average payout per claim has climbed to a record £6,002 in 2024.** That squeeze makes mainstream underwriters cautious.

We judge risk in context. Was the leak fixed? Have you flood proofed since the storm? By weighing what really changed, we can often quote where others walk away.

**Source: ABI (Association of British Insurers claims bulletin, Q3 2024)

  • Cover matched to your history
  • Specialist team ready to help
  • Quick online quote
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Frequently Asked Questions

Yes. Specialist insurers look at the detail behind each claim and can still quote. Provide full disclosure and many will tailor buildings and contents cover even after a refusal.

Enter your property and claims details online. Our system checks the risk in real time and returns a personalised premium in minutes. You can adjust cover levels and start a policy instantly or speak to the UK team.

Usually. Past claims signal higher risk so premiums rise, especially after large or repeated losses; even one small claim can affect any no claims discount.

They are logged on the Claims and Underwriting Exchange for six years from the date they close, and every UK insurer can view them when you apply

Escape of water, fire or theft, and storm or flood claims cost insurers the most and therefore raise premiums more than minor accidents or vandalism

Yes. A specialist broker will review repairs made, prevention steps and time since each claim, then adjust excesses or limits rather than declining outright.
Many customers with three or more past claims still receive quotes.

Cover shaped around your past claims

Bespoke protection for homes with claims history

Every claim has a back story.
We shape cover around the one that matters: yours.

Listed cottage, eco build or standard brick terrace, we match buildings and contents insurance cover to your exact needs.

What we provide

Buildings cover up to £1,000,000
To repair or rebuild your home, as standard by Defaqto, an independent financial research company
Contents Insurance up to £100,000
New for old cover for belongings kept in your home
Alternative accommodation
Temporary accommodation in the event your home is uninhabitable
Replacement locks and keys
For lost or stolen keys
Trace and access cover up to £5,000
Replacement and repair to any parts of the building that are removed when tracing escape of water
Family Legal Protection up to £25,000
Cover for legal expenses (whether prosecuting or defending). There is a £100 excess.
Home Emergency Cover up to £250 per call-out
24 hour immediate assistance from a professional electrician, plumber or other specialist following certain emergencies in the home included as standard.

What isn't included?

We don’t cover loss or damage
  • Caused by wear, tear or gradual deterioration
  • That occurred before the policy started
  • Caused by vermin, insects, pets
  • Caused by dishonest, wilful or deliberate acts
  • Arising from leaks from swimming pools, fixed hot tubs, jacuzzies, fixed spas
Cover restrictions
  • you are only covered up to the maximum claims limits shown on your schedule
  • you are responsible for any excesses stated in your policy
  • any exclusions or restrictions shown by endorsement in your schedule

Looking for extra protection? Upgrade your cover

  • Family Legal Protection Plus

    Family Legal Protection Plus extends this cover limit to £50,000 and increases the range of legal disputes that you’re covered for.

    Optional – Family Legal Protection Plus
  • Home Emergency Plus

    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

    Optional – Home Emergency Plus
  • Accidental Damage

    Cover for accidental breakages or damage to your buildings e.g: putting your foot through the ceiling, or accidental breakage of glass

    Optional – Accidental Damage

Still have questions? Visit our help centre

What you get with Intelligent Insurance

  • Five star rating from Defaqto
  • Underwritten by trusted, household-name insurers
  • Competitive premiums with flexible payment options
  • UK-based team praised for excellent customer service
  • Fast online quote - no lengthy phone calls required
Ready to get insured?

You can get cover within minutes

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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.

What our customers say

“I was very stressed and struggling to get insurance…”

“I was having trouble as my previous insurance cancelled my policy due to me (apparently) not disclosing a small contents claim 3 years ago, of which I know I did on the form and not contacting me by phone to speak to me about it. I had not seen their online letters until it was too late. I was very stressed and was struggling to get insurance. Natalie was online ready to answer any questions, and she made the process very easy. And the monthly premiums only increased from my previous insurer by couple of pounds/month. All insured and have peace of mind once again. Thank you very much.”

WL
New Policyholder – 19th September 2025