adverse claims history
homeprotect can provide competitive online quotes for people who need home insurance with a previous claims history.
- Unique online quote and buy facility for adverse claims history and high claims history home insurance
- 97.5% of all circumstances quotable online
- If we cannot quote online, we can usually help over the phone
- Unusual claim types quoted online or over the phone
- High volume and value claims considered
- Policies underwritten by AXA, (winner of the 2011 BIA Customer Care Award)
- UK team on the end of the phone
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We have home insurance for a reason, to have the financial ability to replace our belongings or repair our home following loss or damage. Sometimes things get damaged through no fault of our own and we have to choose whether to pay for it ourselves or claim through our insurers.
If you have had to make a claim in the past, you know how important it is to have adequate cover in place. It can become increasingly difficult if you have had to make multiple claims over a short period of time, because most insurers will see you as being a serial claimant. homeprotect can offer you the home insurance you need that takes into consideration your previous claims history.
We believe that having a history of claims shouldn't stop you from protecting yourself and your home. Our award-winning service is perfect for multiple claims (typically more than three) and high value claims including those covering subsidence and flooding.
Previous Claims History Insurance
If you have had to make a claim in the past, you know how important it is to have adequate cover in place.
All instances of damage should be declared to any new insurer and though you may not be to blame for the damage that was done, or even withdrawn a claim or not been paid for the damage it is quite likely that insurers will consider the loss or damage as material and therefore expect to be advised of it. If you have suffered two or more claims or losses in the last 5 years or the property has ever suffered a Subsidence, Flood or liability claim, you may be treated as having an adverse claims insurance history and then it can be a difficult task to obtain insurance.
We specialise in providing cover to people who cannot get insurance elsewhere, so a home insurance adverse history will not scare us off. It is very common these days that your mortgage will depend on you having the appropriate insurance cover protecting your home (and the bank’s interests), so maintaining home insurance with previous claims could be vital to allow you to keep your home. With homeprotect this fact never has to become a problem.
With homeprotect you can also obtain quotes if you have had home insurance cancelled or refused home insurance in the past, or if you need IVA, CCJ or bankruptcy insurance.