Understanding why home insurance may be refused is crucial for securing future insurance. There are several common factors that insurers consider when assessing applications, and being aware of these can help you take proactive steps. Some reasons for home insurance refusals include:
First of all, find out why your insurer is not offering you cover – ask for the specific details. This is important as you will be asked to confirm this information when obtaining a new quote.
Then speak to a specialist provider. At Intelligent Insurance we provide home insurance for circumstances including previously refused or cancelled policies.
With Intelligent Insurance, yes absolutely! We make it convenient for you to explore your options and get a quote online in less than ten minutes.
Intelligent Insurance approaches refused house 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
We understand that past factors shouldn’t necessarily affect you being able to secure home insurance going forward.
Our specialised approach to home insurance will help you to secure the cover you need. Explore our options and get a quote today to start your journey toward comprehensive and accessible home insurance.
Get an online quote for your Home, no matter what your circumstances
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.
Browse our intelligent reading list of articles, guides and tips at your own convenience.
Find out why your claims history can lead to being refused home insurance cover.
Discover common reasons for being refused cover and what you can do next.
“…Really helpful and expert customer service. They were able to offer insurance when offers had been declined due to minor remediated subsidence…”
