Non-Standard Home Insurance

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Buildings Insurance
Unlimited buildings cover to rebuild your home (eligibility criteria applies)
Contents Insurance
From £50,000 up to £150k contents cover (depending on policy)
Special Features
If you're looking for cheap home insurance get a quote with Admiral - you could pay as little as £113 if you insure your home*.
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Admiral Home Insurance

Buildings Insurance
From £400,000 to unlimited cover to to help rebuild your home
Contents Insurance
From £50,000 to unlimited contents cover
Special Features
Choose from three levels of cover for Buildings, Contents or both. Tailor your policy with the optional add-ons. Make changes to your policy, without admin fees or hidden charges. When renewing, you won't pay more than a new customer for the same cover
Alternative Accomodation

John Lewis Home Insurance

Buildings Insurance
£1million to help rebuild your home (unlimited for Home Plus)
Contents Insurance
Up to £100K contents cover
Special Features
Award-winning Saga Home 3-year fixed price cover includes valuable extras: Accidental damage cover for mishaps in the home, Personal belongings cover to protect your items when you're away from home, Matching sets cover
Alternative Accomodation

Saga Home Insurance

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. 24/7 UK emergency helpline
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Home Insurance
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Prices from over 55 brands
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Save up to 41%*
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Moneysupermarket Home Insurance Comparison

Buildings Insurance
No Limit
Contents Insurance
No Limit
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
Structural damage cover; Water damage cover; Flooding, fire & storm
Contents Insurance
Up to £150k contents cover
Special Features
Compare cheap buildings and contents insurance. You could save up to £107*
Alternative Accommodation
*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (April ’21). 51% of home insurance customers could save £107.96 on a combined policy
Buildings Insurance
£750,000 million to help rebuild your home
Contents Insurance
Based on what you actually own
Special Features
Amazing home insurance at amazing prices. Buzzvault home insurance is based on what you actually own. This allows us to offer the cover you need at the best price
Alternative Accomodation

Buzzvault 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.