Who do we insure? Pretty much everyone.
Irregular pay cycles, seasonal contracts and extra public exposure can make standard home insurance policies difficult to obtain.
Our specialist high-risk occupation home insurance flexes with your income and shields your home and everything in it, wherever your career takes you.
We look beyond job titles and assess each risk on its merits. Recent clients include:
- Politicians & TV personalities
- Comedians, actors, supporting artists
- Professional athletes & sports coaches
- Musicians & touring crew (sound, lighting, stage)
- Journalists, film production teams, photographers
Frequently Asked Questions
While premiums can be influenced by the nature of your occupation, we’ll always aim to offer you competitive rates tailored to your specific circumstances.
Yes, at Intelligent Insurance, we specialise in arranging coverage for individuals with high-risk occupations, even if they have faced insurance refusal in the past.
To get an online quote, you’ll need to provide details about your home, possessions, and specific information related to your occupation. Our user-friendly quote process, ensuring you receive an accurate and timely quote in about 10 minutes.
Absolutely. We offer comprehensive insurance solutions for individuals in high-risk occupations. Our policies are tailored to provide both buildings insurance and contents insurance, ensuring complete protection for your home and valuables regardless of your profession.
An intelligent approach to every property
No two homes or homeowners are alike. We build each policy around your reality, from city apartments and listed cottages to eco-builds and one-of-a-kind renovations.
Expect comprehensive Buildings & Contents cover that grows with your needs.
What we provide
What isn't included?
- 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
- 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
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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 -
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 -
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
Still have questions? Visit our help centre
What you get with Intelligent Insurance
- Defaqto 5-Star rated protection
- 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
For help with your 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.
Policy Documents
If you’re currently insured with us, you’ll find the documents for your policy in MyAccount.
Add-Ons
How to make a claim
Making a claim has never been easier – just follow these three simple steps.
Step One – Check Your Policy
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.
Step Two – Report the Incident
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.
Step Three – Submit Your Claim
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.
Home Insurance Specialists names you can trust
