Home Insurance for people with an adverse financial history

We specialise in covering people who have been turned away by other insurers due to their financial circumstances. Our website allows you to fully quote and buy online, meaning you don’t have to go through all your private financial details over the phone.

If you have been affected by any of the following, we can help.

  • Poor credit history
  • Poor/bad credit rating
  • Poor credit score
  • Previous bankruptcy
  • Current, unsatisfied CCJ
  • Current, unsatisfied IVA
  • Passed IVA/CCJ
Why choose CoverBuilder?
  • 100% online quote with instant decision and acceptance
  • Equal monthly payment plans offered on 95% of cases
  • Only basic details required to complete quote
  • Average call centre answer time under 1 minute




Spreading the cost of home insurance across the 12 months

If you have a poor credit history or CCJs/IVAs on your file, we still offer a monthly installment plan* where the cost is spread equally across all twelve months. This means no lump sum to pay as a deposit or initial installment.

*We aim to offer payment options on as many quotes as possible where a CCJ/IVA is recorded.

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 or chat with us online via our livechat option (bottom right).


Where can I get insurance if I have poor credit history, CCJ or IVA?

Diagram picturing four people with differing financial backgrounds

Mainstream insurers often consider a low credit score, CCJ, IVA or bankruptcy as a high-risk matter and will often avoid providing insurance during such circumstances. You will need to arrange contact with a specialist household insurer to retrieve a non-standard household insurance quote if you have poor credit history, a CJJ, IVA or if you have been declared bankrupt.

At CoverBuilder, we understand that financial issues are already difficult in themselves, without the added concern of an uninsured property. We’re here to help get your most important possession, your home, fully covered, even in the event of poor credit history.


Home insurance with poor credit


We understand that picking up the telephone and talking about your difficult financial position can be uncomfortable, so we have ensured that you can access all the support you need from us online. From completing your home insurance quote to speaking to our friendly team via our LiveChat function, we firmly believe that your non-standard risks needn’t weigh you down.


What happens if I don’t inform my insurer of my financial history?

Failing to disclose such relevant facts at the point of renewal or application for a new insurance contract can in some situations lead to your home insurance policy becoming void. Voided insurance is a process in which an insurer will treat the policy as though it had never existed, with the cover not applying at any point during the course of the policy

 Home insurance with poor credit


How can poor credit history/having a CCJ or IVA affect household insurance?

With UK debt reaching its highest level since the 2008 financial crash, it is no surprise that during such uncertain economic times, several thousands of households possess a CCJ, IVA or have been declared bankrupt.

Diagram showing insurance company professionals, plus a court hammer and gavel

If you are one of many experiencing difficult financial circumstances, you may consequently be considered as a non-standard risk to an insurer. This could make it increasingly difficult for you to source an affordable insurance premium, and in some circumstances, you may struggle to secure household insurance at all.

Similarly to a pending mortgage application, insurers will need to conduct a credit check to view previous activity and examine whether you are able to afford the monthly repayments of your insurance premium. CCJs, IVA’s and bankruptcy are all factors that suggest previous personal debt and will consequently cause concern with your insurer. A badly affected credit rating will also limit your capacity to borrow from other lenders too.

Home insurance with poor credit

At what point will I no longer need to declare CCJs, IVAs or Bankruptcies?

Unlike criminal convictions, which will class as being spent after a certain period, you will need to declare previous financial difficulties no matter when they occurred.

What information will I need to provide when quoting for insurance?

  • Do you or anyone who normally lives with you have a poor financial history?
  • If your previous bankruptcy has been discharged and when?
  • If you have an IVA and if it has been satisfied and when?
  • If you have had previous CCJs, how many you had and whether they were satisfied?


Home insurance with poor credit


More about CCJs (Count Court Judgements)

A County Court Judgment (CCJ) is a court order in England, Wales and Northern Ireland that can be registered against you if you fail to repay the money you owe. If you are subject to a county court judgment or high court judgment, it will stay on the Register of Judgments, Orders and Fines for 6 years. This will then impact the potential of Banks and loan companies when deciding whether to give you credit or loans and what the terms will be.

You can find out more information from the free and impartial money website The Money Advice Service

CoverBuilder can protect you and your home

Remember, at CoverBuilder we can cover a wide range of financial background situation, previous and current. Quotes are 100% online and instant decisions are made.