Intelligent Insurance specialises in providing home insurance solutions for individuals with low credit scores, County Court Judgements (CCJs), or a history of bankruptcy.
Our approach is to offer home insurance at a sensible price, taking your credit history into account.
You can obtain an immediate online quote in most cases, and our Defaqto 5-Star rating reflects our dedication to providing high quality home insurance cover.
We recognise the significance of finding the right insurance cover for your home, regardless of your personal circumstances. Our goal is to arrange home insurance for everyone.
Your credit score is calculated based on several factors. These include:
New credit: applying for many credit applications in a short space of time can harm your score
Mix of credit: you can get a score boost if you can show that you can manage different types of credit
Payment history: Paying your bills on time is vital. All of these factors can harm your score:
-CCJs
-late or missed payments
-not closing unused credit accounts
-using all of your available credit every month
-not being on the electoral roll
-not having a long credit history
Outstanding balances: the amount of money you owe can affect your credit score so it is advisable to keep your balances low
Credit history: having a longer credit history helps to improve your credit score
Yes, it is possible, but each insurer has its own acceptance criteria. We specialise in arranging home insurance for individuals with bad credit, even if they have been declined by other insurers.
Yes it is a factor that many insurers use. Having a low credit score can cause premiums to be higher and some insurers may not let you pay by monthly direct debit if you have a low credit score.
To get an online quote, you’ll need to provide details about your home, possessions, and specific information related to your credit history. Our user-friendly platform guides you through the process, ensuring you receive an accurate and timely quote in minutes.
At Intelligent Insurance, we aim to provide comprehensive cover regardless of your credit history. While bad credit may be a factor in assessing risk and how you can pay for your insurance, it does not affect the level of cover you can get
Yes, we can provide both buildings insurance and contents insurance, even if you have a bad credit history. Our policies are designed to accommodate a range of circumstances to ensure your home and its contents are fully protected.
Intelligent Insurance approaches insurance 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.
Family Legal Protection Plus extends this cover limit to £50,000 and increases the range of legal disputes that you’re covered for.
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
Cover for accidental breakages or damage to your buildings e.g: putting your foot through the ceiling, or accidental breakage of glass
Navigating home insurance with bad credit can be challenging, especially if you’ve faced situations like missed credit card payments, CCJs, or bankruptcy.
Bad credit often increases the perceived risk to insurers, resulting in inflated premiums or even refusals. Intelligent Insurance however, takes a smart approach. We strive to arrange home insurance for all, including those with bad credit, and we do so at a competitive price.
Contact us today and experience a positive attitude towards bad credit home insurance. Gain peace of mind knowing that your home and possessions are covered, even in challenging circumstances.
Get an instant online home insurance quote for your property now, or feel free to speak to us either via our chat, or if you prefer call us on: 03333 11 11 10.
Get an online quote for your Home, no matter what your circumstance
For help with your quote, use our online chat to speak with a member of our team
*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.
Looking for extra peace of mind? Discover the benefits of home emergency plus.
Up for renewal? Find out how your renewal price is calculated.
