no cancellation feeHome Insurance for those with a CCJ

Customers with one or more CCJs on their credit file will often struggle to find an insurer who either offer cover at all, or cover at a reasonable price. Our aim is to be able to provide you with options, taking your CCJs into consideration. We work with a panel of specialist home insurance companies that will accept a wide variety of scenarios linked to poor or bad credit histories and other forms of credit management.


Offering payment options

Taking into consideration there is a CCJ in place we will still look to offer flexible payment terms on our home insurance policies in as many circumstances as we can. When you get a quote with CoverBuilder, you’ll get an instant decision along with all the payment options we can offer you for home insurance with a CCJ.

CoverBuilder can provide;

  • Insurance with poor or bad credit history and pay monthly options
  • Insurance with single or multiple CCJs and pay monthly options
  • Insurance with a previous bankruptcy and pay monthly options




Why choose CoverBuilder for your home insurance?

We work with a panel of insurance companies specifically to cover customers with a CCJ or poor credit history. We’ve designed our policy quote and buy process to be straightforward.

  1. Our quotes are 100% online
  2. Only basic details required to complete quote
  3. Offering competitive rates for those with adverse credit histories
  4. Wide range of acceptance criteria with instant decision
  5. Standard policy excesses apply unless otherwise stated in policy documents
  6. NO CANCELLATION CHARGES or hidden fees!
  7. UK based customer support
  8. Manage your policy online
  9. Average call centre answer time under 1 minute



CCJ Home Insurance

A County Court Judgment is often simply referred to as a CCJ and is a court’s judgement, having assessed all the details of the situation, as to whether or not a debt is due.

A CCJ will, unfortunately, have a severe negative impact upon things such as your credit score and your ability to obtain credit in the future. It is one of a few serious types of adverse credit history (the others being things such as bankruptcies and IVAs). This basically means that any future lenders will be able to see that you were unable to repay your debts and may fear lending you money in case they too have to pursue court proceedings in order to recoup their costs.

The first step for a lender to take to obtain a CCJ is to issue a Notice of Default. If you choose to ignore this (or the lender isn’t happy with the response you’ve provided), they can then ask for a County Court Summons to be issued for you to attend court.

credit card and phone in hands


Whether or not you subsequently pay off the debt, this CCJ will remain on your credit report for the next 6 years. The only exception to this is if you pay off the outstanding amount within one calendar month of the date of the County Court Judgement. However, even if you do this a strict protocol and procedure needs to be followed in order for the removal of the order to be approved.

The one way to avoid a hearing or a judgement and subsequent damage to your record, is to pay the outstanding amount in full as soon as you receive the County Court Summons. Obviously this will be dependent on you being able to access sufficient funds to repay this amount.If you do not do this, there’ll be a simple, private court hearing held, which you can choose to attend or just send the information the court asks for in the post.

Unlike criminal trials, the court for a CCJ doesn’t  find anyone to be ‘guilty’ or ‘innocent’. It just assesses the facts and then decides whether or not it thinks you do owe the requested money. If it is decided you are liable for the owed amount it will also decide how you should repay it. If you do not pay back the money that the court has decided you owe, it is possible for lenders to take further legal steps, including sending bailiffs to your address to collect possessions worth the equivalent of the amount owed.

In Scotland, things are dealt with slightly differently as it falls under Scottish law. Here, claims are dealt with by an institution called the Sheriff Court.

CCJ impact upon your credit report

There is a differentiation made on credit reports between CCJs that you have paid off and ones that you haven’t. If you still owe money then your CCJ will be labelled as ‘active’ on your credit report – if you have settled the amount and paid in full then it will be marked as ‘settled’.

Once you have paid off your CCJ you are likely to want to inform the four main credit reference agencies. You can do this with a ‘Letter of Satisfaction’ which can be obtained from the Court. You have to carry out this process yourself and once it has been done then the CCJ will be shown as settled on your credit report.

Financial advisor working on laptop

Unfortunately, there is not anything that can be done to remove a County Court Judgment from your credit report and it is likely to cause you difficulty in obtaining credit on the high street until it is dropped from your record after 6 years.

It is strongly recommended that you are not tempted by offers of credit repair that can be offered to you by some unscrupulous companies. This practise is illegal and can often serve to cause far more problems than simply waiting for your CCJ to be served and removed from record.

For more information on CCJs and their impact, you can find out more information from the free and impartial money website The Money Advice Service


The CCJ register

The Register of Judgments, Orders and Fines records CCJs for 6 years.

Most CCJs will appear on the register but there are some that don’t. To be capable of being registered the judgment must either have been issued in default (i.e a judgment without trial where no defence was entered) or else defended and payment is by instalment order or where enforcement action is being taken (There are other conditions and exemptions and for the full list of criteria please refer to the latest statutory instrument relating to the Register of Judgments, Orders and Fines Regulations.).

Illustration showing court gavel and legal professionals


Banks and other lenders can do a CCJ check against the CCJ register when deciding whether to offer credit. Getting a mortgage with a CCJ or a loan with a CCJ is difficult. Even if you get credit, you may end up paying a higher interest rate.


Updating the CCJ register

Nearly all CCJs go on the register, If you believe your CCJ to be settled or issued against you wrongly then you should contact the court with your case number and they can advise you further.

  • Paying within a month can result in the CCJ will be removed from the register if you pay in full within one month of the day of the judgment.
  • Satisfied vs unsatisfied, if you pay the CCJ after this, it stays on the register but it will be recorded as ‘satisfied’ (see Certificate of satisfaction). If you don’t pay it, it’s shown as unsatisfied.
  • CCJ removal The only way to remove a CCJ is to ask the court to set aside the judgment because you have a genuine reason to dispute it.