Refused Home Insurance
- Specialist cover for homeowners who have been refused insurance or had a policy cancelled
- Policies tailored to suit your individual circumstances
- Choose from buildings, contents or combined home insurance
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Refused Home Insurance
Specialist Home Insurance If You Have Been Declined Elsewhere
Being refused home insurance or having your policy cancelled can be frustrating. It can be even more worrying when you need cover and are not sure where to turn.
However, one insurer refusing to offer you cover does not necessarily mean you cannot find suitable cover elsewhere. At InsuraHome, we can help homeowners who have been refused home insurance or had their policy cancelled by another insurer.
Our specialist home insurance is designed to consider circumstances that may fall outside the criteria of standard insurers. This can include previous claims, a history of bankruptcy or a previous policy cancellation.
Ready to explore your options? Request a specialist home insurance quote today by completing our short online form.
Request a Refused House Insurance Quote
Why Can Home Insurance Be Refused or Cancelled
Why would you be refused home insurance? This can be especially confusing if you have been able to arrange cover without any problems in the past.
Every insurer has its own criteria when deciding whether to offer cover. They will look at your circumstances and the level of risk involved.
If an insurer refuses or cancels your cover, it usually means your circumstances don't meet its criteria.
Some circumstances that may lead to a policy being refused or cancelled include:
- Previous Claims: A large previous claim may make some insurers less willing to offer cover. The same may apply if you have made several house insurance claims within a short period of time.
- Convictions: Some insurers may ask about convictions when you get a quote for home insurance. The questions you are asked will depend on the insurer.
- Previous Policy Cancellation: Having your house insurance cancelled can make it harder to find cover elsewhere. The same can happen if your insurer decides not to renew your policy.
- Financial Circumstances: Having a history of bankruptcy can affect the home insurance options available to you.
Why Choose InsuraHome for Refused Home Insurance
Every homeowner's situation is different. Some circumstances can make finding home insurance more difficult.
Having your home insurance renewal denied can make it difficult to find alternative cover. The same can apply when an insurer has cancelled your existing cover.
Here at InsuraHome, we don't take a one-size-fits-all approach. Our specialists review each application based on your circumstances. This helps us understand your situation and identify the cover available to you.
Request a Refused House Insurance Quote
Refused Home Insurance Cover
Our refused or cancelled home insurance can include cover for a range of risks, including:
Fire Damage
Covers damage caused by fire, including smoke damage and damage from lightning or explosion.
Weather & Flood Damage
Covers loss or damage caused by storm, flood or severe weather conditions.
Escape of Water & Oil
Covers damage caused by leaks from pipes, heating systems and domestic appliance.
Theft & Burglary
Covers loss or damage resulting from theft or attempted theft, subject to your policy terms.
Property Owners' Liability
Covers your legal liability if someone is injured or their property is damaged in connection with your home.
Subsidence, Heave and Landslip
Covers loss or damage caused by movement of the ground beneath your home.
Specialist Declined Home Insurance Cover for Homeowners
If you have been denied home insurance, you may feel like you've run out of options. However, you may still be able to find cover. This can include house insurance with claim history, depending on your circumstances.
Our specialist home insurance is designed to consider circumstances that may not meet the criteria of standard insurers.
Request a quote today to see whether we can help.
Request a Holiday Home Insurance Quote
Explore Other Specialist Home Insurance Products
We also provide specialist home insurance for circumstances that may fall outside the usual criteria of standard home insurance.
This can include properties that need to be unoccupied for longer periods or holiday homes. We can also help homeowners with other complex insurance needs.
Frequently Asked Questions about Refused Home Insurance
1. What Is the Difference Between Refused, Cancelled or Not Renewed House Insurance?
These terms can sound similar, but they describe different things.
- Refused house insurance – it means an insurer has decided not to offer you a policy. This is sometimes referred to as declined home insurance.
- Cancelled home insurance – this means that an existing policy has been ended by the insurer before its stated expiry date.
- Refused home insurance renewal – this means your insurer has decided not to continue your cover when your current policy reaches its renewal date.
2. Who Can Get Specialist Home Insurance from InsuraHome?
Our specialist home insurance is available to homeowners with residential properties across the UK. This includes England, Wales, Scotland and Northern Ireland, as well as the Channel Islands.
This can include homeowners:
- Looking for cover after being refused elsewhere
- Whose home insurance renewal has been declined
- Whose existing policy has been cancelled
3. Do I Need to Disclose Any Spent Convictions When Getting Home Insurance?
Spent convictions generally do not need to be disclosed to insurers. However, if you choose to disclose a spent conviction, you can provide this information when getting a quote.
You should always answer the questions on your home insurance application accurately and provide any information the insurer asks for.
If you're unsure whether a conviction is spent, you can find out more about rehabilitation periods under the Rehabilitation of Offenders Act 1974.
The rules have since been updated by the Police, Crime, Sentencing and Courts Act 2022. The time it takes for a conviction to become spent can depend on the sentence and your age when you were convicted.
You can find more information here.
4. Do I Need to Declare About Previous Household Insurance Claims When Getting a Quote?
When you get a quote, you may be asked about previous home insurance claims. If you have, you need to provide any information related to your claim history. This includes multiple home insurance claims or a significant previous claim.
It's important to provide accurate information about your previous house insurance claims. This is particularly important when requesting a quote for home insurance with claims history.
Make sure the details you provide are complete and up to date, as this can affect the cover available to you.
5. Do I Need to Tell an Insurer About Previous Refused or Cancelled Home Insurance?
When arranging cover for your home, your insurer may ask about your previous insurance history. If you're asked about previous refusals and cancellations, you need to mention them. This also includes the ones where your policy did not get renewed.
If you don't provide information the insurer has asked for, it could affect your policy or a future claim.
6. Why Would My Home Insurance Renewal Be Denied?
There are several reasons why an insurer may decide not to renew your home insurance. This can depend on your circumstances and the terms of your policy.
Previous claims: Several claims within a short period may make it more difficult to find standard home insurance. For example, 2 home insurance claims in one year could affect how some insurers assess your application. A significant individual claim may also affect the options available to you.
Changes to how your property is used: Changing how you use your home could mean your existing policy is no longer suitable. For example, you may decide to use your property as a holiday home, leave it unoccupied for longer periods or let it to guests.
If you have a refused home insurance renewal, you will need to find alternative cover when your existing policy ends.
7. Can Home Insurance Be Cancelled and What Should You Do?
Yes, an insurer can cancel your home insurance in certain circumstances. This will depend on the terms and conditions of your policy.
If your existing policy has been cancelled, there are a few things you should do:
- Check the cancellation notice from your insurer carefully, including the date your cover ends.
- Check why your policy has been cancelled and read any information your previous insurer has provided.
- Arrange alternative cover before your existing policy ends, so you are not left without the insurance you need.
8. How Do I Get a Refused House Insurance Quote?
Getting a quote after your home insurance has been refused or cancelled starts with completing our short online form.
You'll need to provide some details about yourself and your property. This may include information about your claims history and any circumstances that could affect your cover.
If you need buildings insurance, you'll also need to provide the rebuild cost of your home. This is the estimated cost of rebuilding your property, rather than its market value.
You can arrange a rebuild cost assessment with a Chartered Surveyor or use a house rebuild cost calculator to help you estimate the cost.
Once you've submitted your form, a member of our specialist home insurance team will review your information and contact you to discuss your specialist home insurance quote.