If you or your home do not fit 'standard underwriting criteria' (the one-size fits all approach) this is often described as 'non-standard' so you may be finding it hard to obtain insurance quotes.
Quite often one insurer's 'non-standard' is another's 'standard', so non-standard home insurance can describe a variety of risks.
Years ago holiday homes and let property used to be labelled as needing non-standard home insurance however this cover is now widely available just like standard home insurance.
Am I or my property labelled as needing non-standard home insurance?
Non-standard home insurance can cover your personal history such as previous claims, convictions or declined insurance or can relate to the construction, occupancy or geographical location. click4quote.com have put a list together below to give you some idea as to what is often classed as non-standard.
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Very helpful and made me feel at ease which I feel is very important when conducting business over the phone.