Declined Home Insurance? How long does cancelled insurance stay on record?

We specialise in covering people who have been declined home insurance. We use a panel of underwriters that we match to your specific needs. Our fully online quote and buy website allows you to quickly get a price and buy that policy within minutes. No lengthy phone calls and running through lots of personal information. You get an instant decision and price with us.

5 common reasons to be declined home insurance

  1. Previously been declined insurance (for various reasons)
  2. Had a policy cancelled mid-term (for various reasons)
  3. Accept a number of different reasons
  4. Policy cancelled due to reasons including number of previous claims.
  5. Had extra terms imposed


You can still get excellent cover, even if other companies decline
  • Full building and contents options available
  • Excellent policy coverage and limits
  • Standard policy excesses apply
  • 100% quote and buy online
  • Manage your policy online
  • Average call centre answer time under 1 minute

What to do when you are declined home insurance

Your first action when you have been refused or declined insurance is to speak to your insurer. You can then find out exactly why your policy will not be continuing.

If your insurer is unable to reinstate the policy, you will need to make contact with a new insurer as soon as possible. This will make sure that your home is not left uninsured for any length of time.

There are several reasons for an insurer refusing to offer you home insurance. To help you identify why you may have been, we have listed some common reasons below:

Why have I been turned down for home insurance?

My home insurance policy has been cancelled from renewal – what can I do?

Unfortunately, when a policy comes up for renewal your current insurance provider doesn’t have to continue your cover. Insurers take on your cover based on how they see the risk that you pose to them. If this has changed then your current insurer may decide that you are not a risk they wish to insure anymore. This is in the same way that a new insurer may turn down cover.

Although it may be tempting to not declare these previous insurance issues, this is not advisable. Insurers share information with each other through a national database called CUE (Claims and Underwriting Exchange). This means that should your current provider check this system and find undisclosed issues, your policy may be cancelled. You would therefore receive no payments for any claims made. Worse still, your insurer could void your policy, meaning that your insurance would count as never having existed.

What can I do to prevent future incidents of home insurance decline?

Certain issues such as expensive previous claims are beyond your control. However, there are ways that you can try and ensure you are a good insurance prospect. Make sure you are always completely honest when applying for new insurance policies. Any negative information should be completed in full. You should also tell your insurer as soon as you become aware of any changes to you or your property. This could allow the situation to be managed effectively at the time.  A solution can then be found with your insurer, avoiding future cancellation at short notice.


Steps to take if your home insurance has been declined:

  1. Your first port of call should be to contact your current provider to confirm the reason. Sometimes policies can be incorrectly cancelled due to a misunderstanding. Therefore, if you think your policy should still be in force then this should be your first step.
  2. If the issue still cannot be resolved then contact the complaints department of your specific insurer. They should be able to deal with your complaint in-house and try to come to a satisfactory solution for all involved.
  3. If unhappy with the result of this internal complaint then you can take the issue to the FOS (Financial Ombudsman Service). They will look at the situation and if necessary take action on your behalf. Insurers legally have to comply with instruction from the Ombudsman. As a result you can be sure that the matter will be dealt with promptly.
  4. The likely outcome of your insurance being cancelled is that you will need to find yourself new cover. It is probable that you will need to use a specialist provider in such a situation. Be sure to shop around so that you are getting the best deal.


Why have I been declined for home insurance?

Unoccupied property

If your house is ever left unoccupied for more than 30 days, be it due to work commitments or because you’ve moved out to complete renovations, this could lead to cancellation. Standard policies tend to only allow 30 consecutive unoccupied days.

Non-standard construction

If your property is not made of standard brick and tiles, then you could find many standard insurers refuse to quote for you. Specialist constructions can often have much higher rebuild costs and be more difficult to source materials for.

Poor credit history

Poor credit history, be that through CCJs or previous bankruptcies, can make it hard to get insurance. Insurers may fear future difficulty in paying for your cover.

Criminal Convictions

Criminal convictions can cause issues when insuring your property. If you do not disclose these when setting up a policy and your insurer finds out, they are likely to cancel your policy mid-term. Many standard insurers can be reluctant to take on the cover at all.

Having a home office

Working from home means you may have business visitors at your property, increasing the theft risk. Your address may also be promoted as the business address, again increasing the risk of damage to the property and making insurers reluctant to cover you.

Business Stock at home

Storing business stock at home can mean that insurers perceive there to be a much higher risk at the property. If you start a home business during the life of your insurance policy then this could lead to a mid-term cancellation.

High-risk occupations

Occupations can be classed as high-risk either for personal reasons or because your work means that your property is frequently unoccupied. If your occupation falls under the high-risk category for your specific insurer you may find you policy refused or cancelled.

Previous claims

If you have made a number of claims on your insurance, or a single claim that was very high in value, you may find that renewal of your policy is not offered. This is because insurers may see you as being a higher risk of causing expensive claim payouts.

Subsidence History

Subsidence claims can be very expensive which is why many insurers can be reluctant to provide cover. If it is discovered that your property has previously suffered from movement, then your standard insurance provider may cancel your policy.

Underpinned properties

If your property has been previously underpinned many standard insurers will be unwilling to provide cover. If you did not disclose this when you initially took out a policy, when the situation comes to light your policy is likely to be cancelled.

Who will cover me if I’ve been declined?Illustration showing a person unhappy due to being refused home insurance

If you are one of many, experiencing difficulty securing a home insurance policy due to refusal, you can turn to us at CoverBuilder.

Declined at the renewal of your insurance policy? Rejected during a quotation? Had your insurance policy cancelled mid-term? We’d be happy to offer you a tailored insurance solution.