Home Insurance for People with Bad Credit and other ‘Non-Standard’ Personal Circumstances such as CCJs or bankruptcy

Unfortunately, some people may find it difficult to find a Home Insurance policy that meets their needs due to personal circumstances. It is a specialist Home Insurance for people with bad credit, bankruptcy and more. InsuraHome Personal Circumstances Home Insurance is a non-standard Home Insurance product that provides a judgement free, professional and discreet service, with various adverse personal circumstances accepted.

As a part of the InsuraHome range of Non-Standard Home Insurance products, Personal Circumstances Home Insurance aims to assist individuals where some other Home Insurance providers won’t.

Our specialist non-standard 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.

Or speak to an InsuraHome Personal Circumstances Home Insurance specialist by calling +44 (0) 1483 806 815

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.

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.

Cover for a Number of Perils can be included, such as:

  • 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 Personal Circumstances Home Insurance specialist by calling +44 (0) 1483 806 815

Main Features of InsuraHome Personal Circumstances Home Insurance Cover

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

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

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

Valuables and Personal Possessions Insurance

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

Liability Insurance

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

Or speak to an InsuraHome Personal Circumstances Home Insurance specialist by calling +44 (0) 1483 806 815

Contact Us
If you wish to speak to one of our Home Insurance specialists:
Call: +44 (0) 1483 806 815
Email: info@insurahome.co.uk
(Open 9.00am-5.30pm, Monday-Friday, excluding English Public Holidays).

For Claims information, please click here.

About Our InsuraHome Personal Circumstances Home Insurance Policy

Our InsuraHome Personal Circumstances Policy has been underwritten by Plum Underwriting Ltd, due to their flexibility and non-standard underwriting experience. InsuraHome Personal Circumstances 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 Fresh Start Home Insurance policies provide tailor-made protection, as required.

How do I get an InsuraHome Personal Circumstances Home Insurance Quote?

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 Personal Circumstances Home Insurance quote click the ‘Request a Quote’ Button and complete the online form. Alternatively download and complete an application form located on the ‘Policy Documents’ page and email it to info@insurahome.co.uk.

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

Or speak to an InsuraHome Personal Circumstances Home Insurance specialist by calling +44 (0) 1483 806 815

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.

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