Understanding why home insurance may be refused is crucial for securing future insurance. There are several common factors that insurers consider when assessing applications, and being aware of these can help you take proactive steps. Some reasons for home insurance refusals include:
First of all, find out why your insurer is not offering you cover – ask for the specific details. This is important as you will be asked to confirm this information when obtaining a new quote.
Then speak to a specialist provider. At Intelligent Insurance we provide home insurance for circumstances including previously refused or cancelled policies.
With Intelligent Insurance, yes absolutely! We make it convenient for you to explore your options and get a quote online in less than ten minutes.
Every refusal has a reason, unusual construction, a past claim, a flood-risk postcode.
We cut through the tick-boxes and build a policy around the home you live in today.
Subsidence history, eco-build or standard brick terrace, we shape cover that fits: buildings, contents, the lot.
Nothing generic, nothing wasted, just the “yes” you were told you couldn’t get.
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
Get an online quote for your Home, no matter what your circumstances
*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.
“…Really helpful and expert customer service. They were able to offer insurance when offers had been declined due to minor remediated subsidence…”
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.
