Specialist and non standard home insurance

See below for examples of non-standard insurance scenarios.

Unoccupied properties

Properties undergoing renovation, awaiting sale, or in probate.

Previous subsidence or flooding

Whether directly affected or in an area susceptible to such, we will do our utmost to obtain the best level of cover we can.

Adverse financial or claims history

Bankruptcy, CCJs or similar. A high number of claims or even a claim that is still open are all considered.

Criminal convictions

All convictions are considered under our “Fairplay” scheme, even if the conviction is not considered spent by the Rehabilitation of Offenders Act 1974.

Non-standard construction

Anything from timber or steel frame properties, flat and/or eco roofs, pre-fabricated homes, listed buildings, cob wall, thatched roof among others.

Lodgers or paying guests

Any such person paying to reside in your property with or without a formal agreement in place.

High value buildings and/or contents

If you require buildings cover of more than £1 million or contents cover of more than £100,000 then you would benefit from having a specialist policy to meet your needs.

Non-standard landlord risks

Houses of Multiple Occupancy, tenancy agreements direct with a council or housing association, asylum seeker lets, blocks of flats among others.

Fortunately, Your Move has a dedicated team of advisors specialising in this area of home insurance. We use a panel of specialist insurers, so if you are struggling to obtain home insurance for your non-standard situation then we may be able to help.

If your scenario isn’t one of these then don’t worry - there are many more scenarios we can offer quotations on.

Please call us on 01392 849 795^ quoting reference (Web special).


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