- properties in a high flood risk area
- unoccupied properties
- non-standard construction
- properties affected by subsidence
- holiday homes
- unoccupied properties undergoing renovation
- listed properties
- previous insurer’s: declinature / cancellations / voidance
- criminal convictions
- adverse credit
- Adverse claims experience
Are you struggling to get your business insurance cover due to your personal circumstances
or do you have a non-standard property?
WE CAN HELP!
With our wide range of panel of insurers for non-standard insurance products, we can offer many options and the ability to tailor your protection to meet the unique insurance needs of your non-standard property and individual circumstances.
Our bespoke property insurance policies are backed with an excellent service from our professional team of advisers to ensure you get exactly the cover you need and at a price you find realistic and satisfactory even though you may have had some difficulties in the past.
We can get you covered even if:
• other insurers simply decline to cover you
• other insurers may restrict the cover they have to offer (such as excluding cover for floods if you live in a area prone to flooding)
• you have a cover but at a cost-prohibitive price
What's a non-standard property insurance?
Non-standard property insurance typically provides the same elements of protection as a traditional business or buildings and contents insurance policy, but takes into account the things that are so special about your property.
So, if you have a high value property, for example, then the sum insured will typically reflect the higher value of your building and its contents, and may also offer additional contents cover options such higher single item value limits or cover for collectables (e.g. fine art insurance, wine insurance etc.)
It may be easier to describe a property of standard construction first – typically this is built to standard construction and design, using traditional materials such as walls built of brick or stone and a roof clad with tiles or slates.
A property of any other type of design or use of materials may be classified a non-standard construction property. This includes but not limited to – thatched homes; listed and graded buildings; and homes with a unique design.
Other properties may be classed as non-standard too, such as high net worth value homes; properties that have previously suffered subsidence; and those that are vulnerable to flooding – even if they have been built using traditional design and materials.
Typically, these types of properties / circumstances may be classed as non-standard.