To most UK insurers, ‘standard’ refers to properties with a regular bricks and mortar build with a pitched slate or tile roof. Therefore the term ‘non-standard construction’ is far more inclusive than many people realise.
Practically any building not constructed of tiles, bricks and mortar can fall outside of the ‘standard’ bracket and be considered as higher risk by insurers.
This includes wattle and daub, steel or timber framed builds, concrete homes or properties with a flat roof.
A non standard policy will be required for houses that aren’t built in the usual way, for instance if they have materials other than brick or tile.
Any home that’s not built from brick or stone with a slate or tile roof will likely fall into this category.
Non-standard homes may be made from outdated materials and building methods. They generally require a specialist home insurance policy because:
We offer several additional coverage options to provide comprehensive protection for your non-standard situation. These include accidental damage cover, legal expenses, and coverage for valuable personal property, among others. Our team can help you customise a policy that perfectly fits your needs.
Homes built outside the norm deserve cover that is anything but standard.
Whether it’s a modern materials, an eco build, cottage or a home with quirky features, our non-standard home insurance is tailored to your property’s exact build type and risks, 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.
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“We have a very unusual house (both location and construction) and obtaining suitable insurance for it has been problematic and expensive over the years. Intelligent Insurance were extremely helpful and most constructive in their approach to check difficult details with the underwriters, reducing our premium by almost a half. If you are having problems with insuring a property ‘out of the ordinary’ then don’t hesitate to approach Intelligent Insurance for a quote.”
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.
