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)
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.
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.
Nothing generic, nothing wasted.
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
*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.
Find out why your claims history can lead to being refused home insurance cover.
Discover common reasons for being refused cover and what you can do next.
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.
