High Risk Insurance Cover for

Refused home insurance

If you’ve struggled to secure home insurance due to past refusals or cancelled policies, finding the right cover can be challenging. At Intelligent Insurance, we specialise in arranging home insurance for individuals in unique circumstances, including those who have been refused insurance in the past*.

Your Circumstances, Covered.

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Frequently Asked Questions

Refused or Denied Home Insurance Cover

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:

Previous Claims: Insurers may be cautious if you have a history of frequent or significant claims
Poor Credit History: a low credit score can impact your eligibility for standard home insurance
Non-Disclosure: failing to disclose important information during the application process can lead to refusals
High-Risk Occupations: if your profession is considered high-risk, insurers may be more cautious
Unoccupied Property: homes left unoccupied for extended periods can pose higher risks
Property Condition: If your property has maintenance issues or requires significant repairs, it may be deemed high-risk

Get a Quote

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.

Tailored Specialist Refused Insurance

An Intelligent approach to Refused Home Insurance

Intelligent Insurance approaches refused house cover with a smart, personalised touch. Understanding that each property and homeowner’s circumstances are unique, we tailor our policies to your needs.

This intelligent approach ensures that whether your home is a standard build, a listed property, or has unique characteristics, your insurance coverage is as individual as your home.

We’re committed to providing protection that adapts to your specific needs, offering peace of mind and comprehensive cover for both buildings & contents.

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
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 about Refused Home Insurance? Visit our help centre

Help centre

Arranging Your Refused Home Insurance

We understand that past factors shouldn’t necessarily affect you being able to secure home insurance going forward.

Our specialised approach to home insurance will help you to secure the cover you need. Explore our options and get a quote today to start your journey toward comprehensive and accessible home insurance.

Why choose us?

Insurance provided by names you trust
Competitive prices
Rated excellent for service by our customers
Specialist team ready to help
Online quote in under 10 minutes

Refused Home Insurance

Get an online quote for your Home, no matter what your circumstances

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Speak to a member of our team

For help with your quote, use our online chat to speak with a member of our team

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What our customers say

Really helpful and expert customer service

“…Really helpful and expert customer service. They were able to offer insurance when offers had been declined due to minor remediated subsidence…”

JM
New Policyholder – 21st June 2024

*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.