Quote request

Non-standard home insurance quote

Tell us what makes the home or your circumstances unusual so we can approach the right specialist insurers.

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About you

Name

Phone

Title

Date of birth (main proposer)

Correspondence address

Town / city

Postcode

Country of residence

Occupation or business description

Years of experience as a property owner / landlord

Current insurer and renewal date (if any) (optional)

Preferred contact method

Proposer details

Proposer type

Number of properties to be insured

Is the proposer a property developer?

Does the proposer habitually reside in England, Scotland, Northern Ireland, Wales or Isle of Man?

Policy inception date

Is/are the proposer(s) considered vulnerable?

Personal history

Has the proposer or any director or partner (in the business or any other name under which they have traded) been convicted of, or is in the course of being charged with, any criminal offence (excluding driving offences and spent convictions)?

Has the proposer or any director or partner been declared bankrupt or been a director of any company that went into liquidation?

Has the proposer or any director or partner ever had any insurance declined, refused or cancelled by an insurer?

Do you, any director, trustee or proposed insured have any adverse credit history or county court judgments (CCJs)?

About the property

What makes the property or circumstances non-standard?

Property details

Risk postcode

Risk address line 1

Risk address line 2 (optional)

Risk town

Risk county (optional)

Year of build

Is the property a listed building?

Cover required

Buildings sum insured (rebuild cost) (£)

Is accidental damage cover required for buildings?

Contents sum insured (£)

Is accidental damage cover required for contents?

Occupancy details

Is there business use, a lodger, paying guests or B&B use?

What is the use of the property?

Property construction

Main wall construction

Main roof construction

What is the property type?

Number of storeys including any basement, loft or attic accommodation

Is any part of the property flat roofed?

Is the building in a good state of repair? (secure, structurally sound, weatherproof, no evidence of dry rot, rising damp or infestation, and no damage to the roof or chimney)

Is the property heated solely by electricity, and/or mains gas, and/or solid fuel and/or oil fired central heating?

Is the property built solely with brick, stone or concrete walls (not pre-fabricated concrete), or timber framed with brick, stone or concrete outer walls only, and a slate, tile or concrete roof (other than flat roof sections)?

The premises

Has the property ever been flooded and/or is it located within 10 metres of the sea, river, watercourse, lake, reservoir, canal or dam?

Is the property within 100 metres of a cliff, quarry or other excavation?

Is the property having any structural alterations, or major renovation work affecting load bearing walls or the roof, or are any such works being planned?

Is the property currently having any other building work undertaken, or planned within the next 12 months, that will cost more than £25,000 (including redecoration)?

Has the property experienced any existing or previous stepped/diagonal cracking, subsidence, ground heave, landslip, movement or underpinning?

Is any part of the property ever used for commercial business (other than as a second home or holiday let), whether to be insured on this policy or not?

Material facts and previous losses

Has there been a gap in insurance cover?

Do you need to provide any other material facts in relation to this proposal or property? (If yes, please give details in the box at the end)

Have you suffered any loss or incurred any liability, whether insured or not, during the last 3 years as a result of the risks proposed (at this or any other premises), or had any claims made against you?

Anything else

Anything else we should know? (optional)

Prices shown on this page are indicative only. We'll only use your details to respond to your enquiry.

Indicative pricing

Each non-standard risk is individually assessed according to its construction, location, use and history.

Unusual construction
Tailored quote
For timber, steel, extensive flat roofs and other non-standard methods.
Listed or older home
Tailored quote
For listed, pre-1900 and architecturally unusual properties.
Complex history or circumstances
Tailored quote
Flood, subsidence, claims, renovation and other difficult-to-place risks considered.

Any guide prices are based on typical risks. Your premium and applicable Insurance Premium Tax are confirmed once an insurer has reviewed your details.

What affects your price

Construction materials and roof type
Listed status and age
Flood, subsidence and claims history
Occupancy, renovation and business use

Included as standard

Buildings and contents options
Personal possessions and valuables options
Property owner's and public liability
Risks considered individually by specialist insurers