refused home insurance
homeprotect can provide competitive quotes online for people who have been refused insurance.
- Unique online quote and buy facility for Refused Home Insurance
- 97.5% of all circumstances quotable online
- If we cannot quote online, we can usually help over the phone
- All cancellation reasons considered individually
- Terms available for most refusal scenarios
- Policies underwritten by AXA, (winner of the 2011 BIA Customer Care Award)
- UK team on the end of the phone
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Being refused home insurance can make it very difficult to find the home cover you need in the future. Many insurers will perceive you as being too high a risk if they find out that another insurer has refused to accept you as a customer or renew your policy in the past or that they have cancelled your insurance, even if the reason for the refusal no longer applies.
We believe having your home insurance cancelled or refused should not stop you protecting your belongings. Our award-winning service is designed specifically for cases such as: Insurance cancelled mid term; Policies cancelled at renewal; Cancellations because of claims history; and Non disclosure related problems.
There are four main reasons why you might have home insurance cancelled or your application or renewal refused; for non-disclosure, where an exclusion clause applies, where you engaged in fraud, or where your circumstances changed. You are bound by the duty of “utmost good faith” when taking out insurance, which means that you are required to disclose all “material facts” on your application. Being turned down for or having home insurance cancelled or renewal refused in the past is considered a “material fact”, so if you do not disclose it, you are likely to encounter further problems down the line.
With homeprotect you can get a competitive online quote for home cover, even if you have been declined home insurance in the past. By using a specialist insurer like homeprotect, you will not feel compelled to omit important details about your circumstances just to get a quote. If you fail to disclose a material fact when required to do so, you will only succeed in putting yourself at financial risk and it may have major consequences if you come to make a claim.
With homeprotect you can also obtain quotes if you require adverse claims insurance or if you need IVA insurance, CCJ insurance or bankruptcy insurance