At CoverBuilder we work with a number of underwriters who specialise in home insurance policies for those who fall into a non-standard category. Our specialist cover means we can often offer you a policy where others might have turned you away. We can also offer you a policy without penalising you on price. If you are looking for non-standard buildings insurance, we cover a huge variety.
Outstanding cover as standard (cover does vary depending on your insurance needs)
- Buildings cover up to £1.5million
- Contents cover up to £150,000
- Personal possessions up to £40,000
- Trace & Access cover up to £5000
- Damage caused by theft or attempted theft
- Malicious damage cover
- Structural damage from subsidence, heave or landslip
- Cover against flood and storm damage
- Damage caused by escape of water or oil
- Legal cover Included as standard
- Public liability cover included as standard
- Average call centre answer time under 1 minute
Need a little help quoting?
We have insurance experts ready to help if you want to ask a question. Our average call answering is under 1 minute so give us a call on 0333 358 3359. Alternatively, chat with us online via our livechat option (bottom right).
MORE ABOUT NON-STANDARD PROPERTY HOME INSURANCE
Non-Standard Property Risks
Non-standard construction home insurance
Many insurers will only look to cover the common or standard methods of construction usually brick of stone. For most customers, this covers exactly what they need. However, there are many customers who need specialist cover due to the unusual building materials used for their property.
Examples of complicated specialist risks
If you have plans to conduct a home renovation project, you will need to consider changing from your standard home insurance policy. Building work is often not allowed by standard insurers.
There may be a number of reasons why your home is left unoccupied during the year. You may be awaiting a sale or probate, or be planning a long trip abroad. If this is the case, you will need to consider swapping your household policy. You must inform your insurer if your property is empty for more than 30 days in a row.
Flat roofs are more easily damaged by weather and burglaries. When there is a lot of snow or rain, there is a tendency for excess water that is not drained from the roof, to pond. This causes the roof to sag and eventually leak into the property.
If subsidence has ever been an issue for your property, you will know that it can cause a number of cracks to appear in the external brickwork and internal plasterwork of your home. Properties that suffer subsidence offer need underpinning to make sure it stays stable. An underpinned property can raise alarm bells with most mainstream insurers. Many will be reluctant to provide cover at all.
Homes come in all shapes and sizes. Whilst it’s good to have a property that looks different to the norm, you may have difficulty finding home insurance. Insurers are wary of the structural soundness and materials used during unusual construction. Non-standard construction can include examples such as timber and steel frame properties. CoverBuilder also specialises in covering non-standard properties such as Coach Houses.
Non-standard buildings insurance
Example non-standard building materials include Cob, Steel, Wood, Clunch, Concrete, Bungaroosh.
Non-Standard Personal Circumstances
There’s a host of personal circumstances that can lead to general home insurance companies not wanting to provide a quote. These risks range from working styles through to someone’s financial history.
Example of personal circumstances
You may work from home on a clerical basis, or your occupation requires business visitors to come to your property. When this is the case, you will need to consider a specialist home insurance policy.
Your occupation will play a part in the total cost of your premium. High-risk occupations include those that require leaving the property unattended due to working away from the home or routine nighttime work.
If you have ever had your policy cancelled or refused, you will need to inform your insurer. Declined insurance can happen due to cases of non-disclosure, changes in your property status such as unoccupancy, damage caused by flooding or a previous/high-value claim history.
Thousands of UK households are currently in a position of debt. The worry of poor finances is a burden in itself. If you have a CCJ, an IVA or have been declared bankrupt it can also be difficult to arrange insurance.
A growing number of people are now using the power of the internet to start their own home business. This allows the sale of their products and services locally, nationally and even worldwide. Often overlooked is the acceptance of this home business within your home insurance. As this is quite a new concept, the home business element is not automatically built into many ‘standard’ home insurance policies. Our dedicated home business policies allow for the running of a business from the insured property. There is even cover for a set amount of stock.
For those customers with a criminal conviction, finding a home insurance provider who 1) will offer cover 2) offer affordable cover can be very difficult. Our panel of underwriters specialise in covering a wide variety of conviction types, number of, sentence types and length. Our fully online quote system also provides excellent privacy and confidentiality.
Do non-standard policies cost more?
When you quote with CoverBuilder, we use of panel of underwriters to offer you a policy that most closely matches your needs.
No one wants to feel they are being penalised. That’s why when you quote with CoverBuilder we ask all the questions we need to upfront. We then search our panel of underwriters to offer you a choice of premiums and cover limits based on your individual needs. Remember that our insurers want to cover non-standard risks and don’t want to inflate the premium and put people off.
The danger of underinsuring yourself and your property
In the event of a claim, underinsurance can result in the policyholder losing out on money. This is because the level of cover initially requested is lower than the actual level required to fully repair any damage. The end result is being left out of pocket!
Whilst a person underinsuring their insurance needs may pay a cheaper premium, the likely financial losses when it came to a claim may far exceed any marginal savings in insurance premiums.
Withholding vital information – the moral hazard
Some customers might feel if they don’t reveal all the details about their situation then they can ‘get away’ with an everyday policy. This can come back to haunt such customers at the point of claim.
Example: A person deliberately withholds information about previous subsidence at the property on a new insurance policy. During the new policy term, the subsidence comes back, causing severe damage to a load-bearing wall. As part of the claim, an assessor will be sent by the insurance company to verify the damage.
A claims assessor can identify the age of the problem and any previous subsidence. This could lead to the insurance cancelling the policy and refusing the claim, leaving the person to foot the costly bill to repair the property.
Competitive Cover for Unusual Property Build Types
We aim to cover one of the widest ranges of non-standard construction types on the market. Below are some of the non-standard home insurance policies we offer. We have also provided some details on identifying non-standard construction within your property
Such materials are still being used to this day within the building of modern, state of the art homes. They are characterised by their ease of building, their lightweight nature, and their affordability. However, steel frame constructions can be both difficult and costly to insure. They can be very expensive to repair if things do go wrong. They are regarded as not being very flame resistant, meaning that if there is a fire the heat can cause the steel beams to warp and give way. This can cause a lot of damage to the entire property structure.
BIFS houses are steel framed houses built by the British Iron and Steel Federation from 1946. Approximately 50,000 homes were built across the country, predominantly in pairs but there were terraces. There are a number of issues that can make insurance for BISF properties difficult. This includes things such as the fact that BISF house roofing contains asbestos which is extremely hazardous to health if disrupted. These properties can also suffer deterioration at the base of the steel structure, window surrounds and in rooms with humidity such as bathrooms and kitchens. BISF house insulation can also result in condensation. Carrying out rectification work would need to be done with the neighbouring property which can be difficult.
Many mainstream insurers often view a timber-framed construction as a complex or ‘non-standard’ property. The result is an increase in their prices to cover such a risk. This is particularly true when seeking insurance for an old timber framed home. There are a number of reasons for this, including a wooden frame’s susceptibility to fire. Any wood frame building is susceptible to fire damage given the nature of the materials used during construction.
Equally, their shallow foundations can lead to cases of subsidence, whereby you may experience cracks in your external brickwork and internal plasterwork.
A prefabricated home is a form of home that has been largely manufactured off-site. It is then transported to a different location for assembly. Prefabricated houses largely came into widespread use after the Second World War. They were built as temporary housing following the devastation of the Blitz. Due to their nature of construction, they can be costly to repair if damage occurs. This is because whole sections of the property’s structure can need to be replaced. However, they are generally considered to be relatively robust. Dependent on the materials used there are mainstream lenders who will provide a mortgage on properties of this construction type.
Concrete homes often also fall into the category of prefabricated buildings. This is the most common material used in the construction of prefabs. However, some properties are constructed from concrete blocks rather than preformed slabs, making them a slightly different risk. Generally speaking, non-standard construction concrete block properties will be easier to obtain a mortgage and insurance on than a prefab home. Yet they can still be seen as being a higher risk property type. This is because they can be more susceptible to water damage to the foundations.
Cob building is a traditional construction style consisting of a natural building material made from subsoil, water, fibrous organic material (typically straw), and sometimes lime. A malleable material is formed by mixing the ingredients together by foot. The construction method has barely changed in the history of cob houses.
Unsurprisingly, insurance for cob houses can be difficult to obtain as it is very different to a standard brick and tile property. However, cob construction has proved to be very sturdy. The oldest recorded building is still standing at over 10,000 years old. Therefore, we aim to provide competitive quotes for cob construction insurance.
Clunch is another traditional building material that is made of chalky limestone rock. Unlike cob buildings, it is not a construction type that is often used in modern buildings. There are still some historic homes that are of clunch construction. Clunch buildings can be seen to be less durable than those made from standard building materials. For this reason they can be more difficult to obtain and mortgage on an insure. We are able to provide cover for Clunch buildings dependent on condition and year of build.
Bungaroosh construction uses an assortment of materials such as whole or broken bricks, cobblestones, flints, small pebbles, sand and pieces of wood. These are then placed in hydraulic lime and poured it between shuttering until it has set. This construction type is most common among properties in the south-east, particularly Brighton. It was prevalent in these areas from the late 18th to late 19th century, meaning lots of older houses in this area are made from this material. One of the drawbacks of Bungaroosh construction is that is it seen to have poor resistance to water.
If you own a property made from one of the non-standard construction types mentioned above, or a different material, and are looking for non-standard home insurance then CoverBuilder are here to help. With an online quote system providing an instant decision, as well as competitive pricing on a variety of construction types, we’re here to help you protect your unusual home.
Non Standard Mortgage issues
In the same way that insurance for a non-standard property requires a specialist insurer, an accommodating lender will need to be sourced to provide a mortgage. For many of the same reasons, there is generally a reluctance to offer funds to mortgage a property of non-standard build. For example, if you were to have your home repossessed due to non-payment it could be more difficult for the lender/debt manager to sell the property on. There is also the maintenance and on-going specialist upkeep of non-standard properties. Often more complex and needing continuous care and attention, non-standard properties, for example, a thatched roof, generally require more expensive and regular maintenance from a trained service provider. Therefore poor upkeep can cause issues with the property valuation further down the line.
At CoverBuilder we work with a panel of insurance companies who specialise in covering house and flats in Northern Ireland. If you want to protect your building, contents and valuables then we will have a flexible policy for you. We also have a number of optional covers you can add on to your policy from just a few pounds per month. Whether this is protecting your boiler with our home emergency cover or protecting your possessions away from the home too.
Our fully online home insurance quote will take you through all the questions you need to answer and allow you to build your insurance package. Simply choose your method of payment and then manage your policy online from any smartphone. Get a quote in minutes for NI home insurance.
Do you host paying guests at your property via home-sharing websites (Airbnb)?
Insuring your property correctly is essential for those wanting long-term success with the reassurance if something went wrong then there is somewhere to turn and rely on to fix the situation.
Our Home Hosting Insurance™ offer just that (UK Only) for just £49.95 per year, that’s less than 15p per night.
Enhanced cover from our dedicated Home Hosting Insurance™
- Up to £800,000 buildings cover
- Up to £75,000 contents cover
- Theft or attempted theft
- Accidental, malicious damage or vandalism
- Abuse of utilities and services
- Lost key and lock replacement
- Alternative accommodation for hosts (including host dogs/cats), and guests
- Bodily injury or death of a guest up to £2million
- Bodily injury or death of domestic staff up to £2million
- £250 standard excess
- No minimum claim limit
- Annual cover only £49.95
Plus we’ve included legal assistance in our insurance as standard that covers;
- Legal assistance in eviction of persons/over-stayers
- Legal assistance to defend civil claim against host
- Assistance in removing defamatory comments on social media
- Assistance if as a host you suffer identity theft via guest
Fully Quote & Manage Your Policy Online
100% Online Quote – Our website is designed to be able to quote for over 40+ types of non-standard insurance without the need to call us and go through the details over the phone. We ask all the questions we need online to be able to provide you with a price. Get your quote now, or read on about the specialist risks we cover below.
Manage your policy online – Once you have taken up cover with us, we’ll give you access to your very own online customer portal. You can view your premium, monthly payments, insurance documents, excesses, claim information and renewal documents.