InsuraHome Home Insurance with a CCJ (County Court Judgment)

Protect Your Home with InsuraHome CCJ Home Insurance

If you or anyone in your household has had a County Court Judgement (CCJ) made against them then you may be struggling to get home insurance as many standard home insurance providers could refuse to give you quote.

Here at InsuraHome we do not discriminate. Therefore, you can rest assured that you can get a quote from us for home insurance with a CCJ regardless of you financial history. All we need to know is whether you or anyone in your household has had a CCJ made against them within the last 25 years.

Our home insurance specialists provide a judgement free, discreet and professional service to make getting home insurance easier for people with CCJ’s against them. Our CCJ home insurance policies can be adjusted to meet your needs, with ability to provide cover for both buildings and contents, with the option to include Legal Expenses cover. With a tailor-made case-by-case approach, InsuraHome Home Insurance can provide you and your property with the protection required.

Why is it Hard to get Home Insurance with a CCJ?

If you have been taken to court by someone or an organisation that you owe a debt to and you have failed to respond, the court is likely to issue a CCJ or County Court Judgement against you. This means that the court dealing with the case has ruled that you do in fact owe the money in question. The court will then issue a judgment ordering you to pay the debt determining how and when you must repay it.

This means for some home insurance brokers you are deemed a high risk proposer due to your past financial history and therefore they will not cover you and therefore your property.

Here at InsuraHome we believe that everyone should be able to have access to adequate home insurance regardless of their past financial history. So click the button below and fill out our short online application form and get a quote for InsuraHome Home Insurance with a CCJ.

Or speak to an InsuraHome CCJ Home Insurance Specialist by calling +44 (0) 1483 806 900

InsuraHome CCJ Home Insurance is Available For:

  • People who have been declined, rejected or cancelled by insurers elsewhere due to personal circumstances, such as having been previously declared bankrupt, bad credit or having previously made multiple claims.
  • Residential properties with irregular occupancy.
  • Occupied residential homes.
  • Properties situated in England, Wales, Scotland, Northern Ireland, The Isle of Man and The Channel Islands.

Please Note: We do not provide cover for thatched roofs at this time.

InsuraHome CCJ Home Insurance – Key Benefits:

  • A judgement free and discreet service.
  • Cover for Buildings & Contents.
  • Cover for “Clean” and “Non-Standard” Home Insurance Risks.
  • Cover can be provided for listed buildings.
  • Ability to cover a wide range of perils within the inside and exterior of your home.
What is Covered?
  • Declared bankrupt
  • With poor credit history
  • Declined elsewhere
  • Policy cancelled elsewhere

How to get a Quote

To get a Quote, simply do one of the following:

  • Click any of the 'Request a Quote' Buttons and complete the online form.
  • Call our Specialists on 01483 806 815.
  • Download our Application Form located on the 'Policy Documents' page, print it out and fill in your details using BLOCK CAPITALS. This form can then either be posted to us, or scanned and emailed to info@insurahome.co.uk.
  • Download our Application Form and save it to your desktop. Re-open it, fill it in digitally and click 'Send me to the InsuraHome Specialists' on the final page, once you have completed all questions.
  • If you would like to request a call, send an email to info@insurahome.co.uk with your name and contact number.

Please Note: Our Open Times are: 09:00-17:30, Monday-Friday.

InsuraHome CCJ Home Insurance Provides Cover for A Number of Perils is included, such as damage caused by:

  • Fire, lightning, explosion or earthquake
  • Aircraft and other flying devices or items dropped from them
  • Storm, flood or weight of snow
  • Escape of oil from a fixed domestic oil-fired heating installation or smoke damage caused by a fault in any fixed domestic heating installation
  • Subsidence or heave of the site on which the buildings stand or landslip
  • Accidental Damage to Fixtures and Fittings
  • Accidental Damage to Services
  • Professional Fees & Expenses
  • Theft or attempted theft
  • Falling trees, telegraph poles and lamp-posts
  • Sale of Property
  • Replacement Locks
  • Unauthorised use of Electricity, Gas or Water
  • Escape of water from frost or frost damage to fixed water tanks, apparatus and pipes.
  • And more!

Or speak to an InsuraHome CCJ Home Insurance Specialist by calling +44 (0) 1483 806 900

Main Features of InsuraHome Home Insurance with a CCJ

The following limits are provided automatically unless a higher limit is requested. To view the full list of cover available, please refer to the Policy Wording.

Buildings Insurance Summary of Cover – InsuraHome Home Insurance with a CCJ

CoverLimit (£)
Accidental DamageOptional
Garden, plants and shrubsUp to £2,500
Loss of Rent / Alternative Accommodation25% of buildings / 24 months
Replacement LocksUp to £5,000
Trace and accessUp to £5,000

Contents Insurance Summary of Cover InsuraHome Home Insurance with a CCJ

CoverLimit (£)
Accidental DamageOptional
Contents of outbuildingsUp to £5,000
Contents in the openUp to £1,000
Home business contentsUp to £5,000
Loss of metered water/oilUp to £5,000
Temporary increasesUp to £5,000 (£1,000 per item)
Electronic dataUp to £2,500

Valuable and Personal Possessions Insurance – InsuraHome Home Insurance with a CCJ

CoverLimit (£)
Accidental Damage/LossOptional
Valuables and personal possessionsOptional - Single Article limit of £2,500 unless otherwise stated on the schedule.

Liability Insurance – InsuraHome Home Insurance with a CCJ

CoverLimit (£)
Accidents to Domestic Staff£10,000,000
Legal Liability to the Public£5,000,000

Or speak to an InsuraHome CCJ Home Insurance Specialist by calling +44 (0) 1483 806 900

Frequently Asked Questions from people looking for Home insurance with a CCJ – FAQs

Does CCJ affect home insurance?

Having a CCJ or County Court Judgement against you and therefore being on The Register of Judgements, Order and Fines may make it more difficult to get home insurance from some insurers as these individuals are believed to be of higher risk. However, that doesn’t mean that you can’t get home insurance at all. At InsuraHome we provide a non-judgemental home insurance for people with CCJs so that you can get home insurance just like everyone else.

Why has my home insurance claim been rejected? Is it because I have a CCJ against me?

There are many reasons as to why your home insurance claims may have been rejected and without understanding the terms of your policy it is difficult to know why. One reason however may be because you have a CCJ against you and this may be against the terms of your existing standard home insurance policy.

Or speak to an InsuraHome CCJ Home Insurance Specialist by calling +44 (0) 1483 806 900

Contact InsuraHome CCJ Home Insurance

If you wish to speak to one of our CCJ Home Insurance Specialists:
Call: +44 (0) 1483 806 900
Email: info@insurahome.co.uk
(Open 9.00am-5.30pm, Monday-Friday, excluding English Public Holidays).
For Claims information, please click here.

About InsuraHome CCJ Home Insurance Policy

The InsuraHome CCJ Home Insurance Policy is underwritten by Plum Underwriting Ltd, due to their flexibility and non-standard underwriting experience. InsuraHome CCJ Home Insurance is backed by a team of underwriters who are highly experienced and deal with each risk on a case-by-case basis. Therefore, our customers can be assured that all our InsuraHome CCJ Home Insurance policies provide tailor-made protection, as required.

How do I get an InsuraHome Home Insurance Quote for People with a CCJ?

At InsuraHome we like to provide you with first class customer service to ensure you are getting the protection you require.

To get an InsuraHome CCJ Home Insurance quote click any of the ‘request a quote’ buttons on this page and fill out our short online application form.

If you would like some assistance when completing your application form do not hesitate to call our InsuraHome CCJ Home Insurance specialists on 01483 806 900.

Or speak to an InsuraHome CCJ Home Insurance Specialist by calling +44 (0) 1483 806 900

WE LOVE TO HEARWords From Our Customers