Understanding the Significance of Claims History
In the world of insurance, a recent claims history categorises an individual as a higher risk, making it more challenging to secure coverage from ‘standard’ insurers. Many traditional providers may decline home insurance for individuals with claims history.
Intelligent Insurance adopts an objective approach towards risk assessment. We take into account your claims history and home insurance requirements. In most cases, we can tailor cover levels to suit your specific needs, even if you’ve made multiple claims in the past.
- Tailored cover for your needs
- Specialist team ready to help
- Easy online quote process
Frequently Asked Questions
Your claims history matters as it influences how insurers perceive risk. Individuals with recent claims are considered higher risk, which can lead to challenges in securing cover from standard insurers.
As a specialist home insurance provider, Intelligent Insurance take an objective view, understanding the nuances of your claims history and unique circumstances when offering you home insurance.
Yes it is possible. We specialise in offering home insurance solutions for individuals who may have faced renewal refusals or been declined coverage due to a claims history.
Our experienced team works to find solutions tailored to your specific situation.
Getting an online quote is simple and convenient. Enter your details, including information about your claims history, and receive an immediate quote in most cases. We’ve designed our process to be user-friendly and efficient.
It is possible that we can help you. We always take an inclusive approach and understand that individuals may have diverse claims histories. Our team may need to engage in a thorough discussion to assess your situation and can often tailor cover levels to suit your needs, even if you’ve made multiple claims in the past.
An Intelligent approach to Home Insurance with a history of Claims
Intelligent Insurance approaches home 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.
What we provide
What isn't included?
- Caused by wear, tear or gradual deterioration
- That occurred before the policy started
- Caused by vermin, insects, pets
- Caused by dishonest, wilful or deliberate acts
- Arising from leaks from swimming pools, fixed hot tubs, jacuzzies, fixed spas
- you are only covered up to the maximum claims limits shown on your schedule
- you are responsible for any excesses stated in your policy
- any exclusions or restrictions shown by endorsement in your schedule
Looking for extra protection? Upgrade your cover
-
Family Legal Protection Plus
Family Legal Protection Plus extends this cover limit to £50,000 and increases the range of legal disputes that you’re covered for.
Optional -
Home Emergency Plus
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
Optional -
Accidental Damage
Cover for accidental breakages or damage to your buildings e.g: putting your foot through the ceiling, or accidental breakage of glass
Optional
Still have questions? Visit our help centre
Seeking Home Insurance with Claims History? Look No Further
If you’re in search of home insurance but have a claims history, Intelligent Insurance is your solution. Whether you’ve faced renewal refusals from your current insurers or been declined home and contents insurance due to your claims history, we can usually help. Share all the necessary details with us, and we’ll take care of the rest.
Get an online insurance quote for your property today. Alternatively, you can speak to one of our team via live chat, or simply just call us on: 0333 311 1110
Intelligent by name, intelligent by nature.
As the trusted choice for homeowners and tenants facing unique circumstances, we invite you to discover the difference with Intelligent Insurance. Let’s work together to secure your home insurance or contents insurance, ensuring that you’re protected with a policy that truly understands and meets your needs.
Get an online quote for your Home, no matter what your claims history
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.
Home Insurance Specialists names you can trust
