Home insurance with a CCJ

If you’ve had a CCJ made against you, some insurance providers won’t give you a quote. We will.

What is a county court judgement?

A county court judgement (CCJ) is a UK court order that can be lodged against you if you fail to repay owed money. It will often determine whether you must repay your creditors in monthly instalments or in full immediately. If you fail to keep to the terms of a CCJ then the court can enforce the debt by sending bailiffs to your home, having your employer deduct your wages, or by securing a Charging Order to your property.

Insurance for your belongings

  • Basic Legal Expenses cover included.
  • 24/7 Claims hotline.
  • Alternative accommodation.
  • New for old contents cover.

County Court Judgements are usually issued to someone who has been unable to pay back a debt on time. If this has happened to you, or someone in your family this can make it much harder to get home insurance. It’s best to be honest; you must tell your insurer about the CCJ so that the insurance will be there to help you if you need to make a claim.

The HomeProtect policy has been rated 5 Star by Defaqto, meaning that it provides excellent levels of cover for both Buildings and Contents insurance. Buying a Defaqto 5 Star policy means that you can relax, knowing that if anything untoward happen to your building or your belongings that we’ll be here to help pick up the pieces.

Finding insurance with a CCJ

The effects of CCJs on home insurance

Many insurance providers will reject your application if they see you have a CCJ, regardless of whether it is satisfied or not, and this can make it difficult for you to buy home insurance online.

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Making life that much easier

You’ve already had a hard time financially to have ended up with a CCJ, we don’t want to add to the misery so we provide an easy and quick way to get a home insurance quote and buy the policy online. You don’t even need to speak to us, unless you want to.

Save money by paying in a lump sum

We offer two payment options, monthly or annually. The monthly payment option has a transaction fee and it requires you to have a credit score check undertaken by the Direct Debit provider. So if you have already had financial issues to contend with, the easiest and less stressful payment method is to pay for the annual premium in one go with a credit card or debit card.

What is a CCJ and what does it mean?

A CCJ is a County Court Judgement; a court order issued against you if you have failed to repay borrowed money. A court will issue a judgement by instalments or forthwith, determining how you have to repay your creditors. Unless you pay off a CCJ within 30 days, it will be added to your credit record and last for 6 years.

What is a CCJ?

A CCJ is a County Court Judgement issued when you have failed to repay money to your creditors. A CCJ sets out the terms of how and when the debt must be paid back.

What our customers say

Your questions answered

Unoccupied house insurance

County Court Judgement insurance FAQs

We’ve prepared some helpful answers to your questions about home insurance with a CCJ, and about how our policy works.

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The questions were all standard and, although my needs aren't quite standard, that was catered for. All in all, highly recommended. 

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If a CCJ is Made Against You…

Wednesday, 23 September 2015

When you receive a County Court Judgment (CCJ) you may feel inclined to ignore it. However, this would not be in your best interest as there are a series of steps you can take.

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