Non-Standard Home Insurance

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Buildings Insurance
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Contents Insurance
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Special Features
Up To 30% online discount. Comprehensive quote system for buildings and contents insurance. Follow through and answer the quote questions, then if you are happy to proceed, you can take up your quote instantly and securely, online.
Alternative Accommodation

Up To 30% Off When You Apply Online For New Customers

Buildings Insurance
£1million to help rebuild your home (unlimited for Home Plus)
Contents Insurance
Up to £100k contents cover (up to £150k for Home Plus)
Special Features
Defaqto 5 Star Rated Home Insurance. 25% online discount for new customers
Alternative Accommodation
Buildings Insurance
Structural damage cover; Water damage cover; Flooding, fire & storm
Contents Insurance
Up to £150k contents cover
Special Features
Confused.com guarantee to beat your home insurance renewal, or get the difference, plus £20*
Alternative Accommodation

*T&Cs apply

Home Insurance
From £400,000 to unlimited cover to to help rebuild your home
Contents Insurance
From £50,000 to unlimited contents cover
Special Features
Save up to 20% online
Alternative Accomodation

John Lewis Home Insurance

Buildings Insurance
£1million to help rebuild your home
Contents Insurance
Up to £50k contents cover (£100,000 Home Plus, Unlimited Select Premier)
Special Features
Get 35% off when you buy online*
Alternative Accomodation

Direct Line Home Insurance

*Introductory offer is for combined buildings and contents cover, which excludes optional covers.  Minimum premiums apply. Excludes SELECT Premier.
Underwritten by U K Insurance Limited

Buildings Insurance
£1million to help rebuild your home (Unlimited Home Plus)
Contents Insurance
Up to £50k contents cover (£100,000 Home Plus)
Special Features
Escape of water cover as standard. Churchill wont just cover the costs of finding the leak but also sort the damage it causes*. Churchill Home Insurance and Home Plus have been awarded a 5 Star Rating by Defaqto
Alternative Accomodation

Churchill Home Insurance

*Buildings cover required. Policy limits and £450 Escape of Water excess apply. Underwritten by U K Insurance Limited

Home Insurance
Up to £750,000 to help rebuild your home
Contents Insurance
Up to £75,000 contents cover
Special Features
Buy online and save 30%
Alternative Accomodation

ASDA Money Home Insurance

Buildings Insurance
Up To £500,000 standard (Up to £2m available)
Contents Insurance
Up to £60,000 contents cover
Special Features
Get a quote and enjoy a free Costa Coffee with Age Co Home Insurance (Ts & Cs apply)
Alternative Accomodation

Age Co Home Insurance

Buildings Insurance
£1million to help rebuild your home (unlimited for Home Plus)
Contents Insurance
Up to £100K contents cover
Special Features
A personal claims manager if you need to move out of your home due to a claim Worldwide protection for your credit cards, debit cards and cash up to £500
Alternative Accomodation

Saga Home Insurance

Non-Standard Home Insurance

Non standard home insurance is the term used to describe any policy that does fit within the boundaries of what is defined as an average (or standard) home insurance policy.

Just because the policy that an individual needs will be classified as non standard does not mean that they will not be able to find a home insurance deal that suit their individual needs. See above for our selection of specialist home insurance providers.

Here are some examples of the sorts of thing that might be classified as a non standard home insurance policy by many providers:

  • Individuals looking for a home insurance policy who have made a large number of claims over a relatively short period of time. Most insurance companies will be sceptical about offering insurance to these individuals, and the ones that are willing will hedge the increased risk with higher premiums.
  • Buildings that have a thatched roof or are constructed out of materials such as timber. These buildings carry an increased risk of building and contents damage.
  • Individuals who have been refused home insurance or had existing policies rescinded.
  • Homes that have previously suffered damage from subsidence or flood are typical examples of non standard home insurance polices.
  • Individuals who have suffered bankruptcy or have criminal convictions.
  • People who work from home and therefore need a different level of cover.
  • People who only live in a particular property fairly irregularly, like a second home.

If you fall into one of these categories, it is likely that your home insurance will be non standard. This does not mean that great deals cannot be found – a variety of home insurance quotes are available online.