We help those turned down by other companies
We specialise in covering people who have been refused insurance by other providers.
CoverBuilder uses a panel of insurance companies that specialise in many different aspects of cover where people have been turned down by others. This means we can offer cover where others refuse. Our quotes are fully online, meaning you can get a quote in minutes and not have to go through all your personal details over the phone.
Have you suffered any of the following? We can help!
- Previously been declined insurance (for various reasons)
- Had a policy cancelled mid-term (for various reasons)
- Accept a number of different previous voidance reasons
- Policy cancelled due to reasons including previous claims or non-disclosure.
- Had additional terms imposed
Often insurance can involve more complex situations and circumstances, therefore we have our insurance experts standing by to help you through a quote.
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
MORE ABOUT REFUSED HOME INSURANCE
What to do when you are refused home insurance
Your first action when you have been refused or declined insurance is to consult the insurer to find out exactly why your policy was rejected at renewal or why you have received a notice of cancellation mid-term.
If the insurer is unable to reinstate the policy at renewal or mid-term, you will need to make contact with a specialist household insurer urgently to ensure that your home is not left uninsured for any period of time.
There are several causes for your current insurer, or other companies you try and get a quote from, refusing to offer you home insurance. To help you identify why you may have been refused home insurance 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 is under no obligation to continue to cover you. Insurers take on your cover based on their perception of 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, in the same way as a new insurer may turn down cover.
Although it may be tempting to simply not declare these previous insurance issues to your new provider, this is highly inadvisable. Insurers routinely 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 discover undisclosed issues, your policy may be cancelled and no claim payments made. Worse still, your insurer could actually void your policy, meaning that your insurance would count as never having existed.
How long does cancelled insurance stay on record?
There is no defined period of time where a cancelled insurance policy no longer needs to be noted on a new insurance application, albeit home, car, travel or any other form of insurance. Generally, if you have had a policy cancelled by the insurer then other insurance companies would like to understand the reason(s) before making their own premium offer. Within the insurers question set it will ask a question along the lines of ‘have you ever had insurance cancelled or refused?’. You will very rarely see a timeframe provided, and therefore you need to provide detail about any occurrence even if it’s many years ago. CoverBuilder will accept a variety of cancelled by insurer reasons and will work with you to provide cover where possible.
What can I do to prevent future incidents of home insurance refusal?
Although certain issues, such as expensive previous claims, are beyond your control there are certain ways that you can try and ensure you are an appealing insurance prospect. Make sure you are always completely honest when applying for new insurance policies, fully disclosing any negative information. You should also inform 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 and an agreeable solution reached with your insurer, avoiding future cancellation at short notice.
Steps to take if your home insurance has been refused:
- Your first port of call should be to contact your current provider to confirm the reason and see if there is any room for negotiation. Sometimes policies can be incorrectly cancelled due to a misunderstanding so if you think your policy should still be in force then this should be your first port of call.
- 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.
- If unhappy with the result of this internal complaint then you can take the issue to the FOS (Financial Ombudsman Service) who will assess the situation and if necessary take action on your behalf. Insurers are obliged by law to comply with instruction from the Ombudsman so you can be sure that the matter will be dealt with promptly.
- Ultimately the likely outcome of a dispute such as this where your insurance has been cancelled is that you will need to source yourself some new cover. It is probable that you will need to use a specialist provider in such a situation but be sure to shop around to ensure that you are getting the best deal.
Why have I been turned down for home insurance?
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.
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, be that through CCJs or previous bankruptcies, can have a negative impact on your ability to obtain insurance. Insurers may fear future difficulty in paying for your cover.
Unspent 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.
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.
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.
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.
Poor state of repair
Your insurance will have been offered on the basis that your home is in a good, liveable condition. If this changes and the property falls into disrepair then you may be refused insurance.
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 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.
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 refused?
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.