Non-Standard Home Insurance

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Non-Standard Home Insurance

An introduction to non-standard home insurance

Non-standard home insurance is, simply put, a catchall term for all home insurance which addresses unusual risks, from the fire risk of a thatched roof through past criminal convictions to subsidence, flood risk, or dwellings that go for long periods of time uninhabited. Each of these can affect the risk carried by the insurer, and so each one will affect the premium and policy as a whole. However, in other respects, these home insurance policies will heavily resemble all other home insurance – and one of the key points arising from that is that, just as with other home insurance, you have to be careful.

Understanding Non-Standard Insurance in the UK

Insurance is a crucial part of our lives, providing financial protection against unexpected events. Yet, not all insurance policies are created equal. In the UK, a specific term often puzzles policyholders: non-standard insurance. Let’s delve deeper into this subject to unravel the mysteries.

What is Non-Standard Home Insurance?

Non-standard insurance, in essence, caters to those who don’t fit the ‘standard’ insurance mould. It might be for individuals who have unusual circumstances or needs or for properties that are unique or come with certain risks.

Why Might Someone Need Non-Standard Insurance?

There are numerous reasons, including:

  1. Past Claims: An individual with a significant number of past insurance claims might be seen as high-risk.
  2. Criminal Convictions: Some insurance providers might be wary of providing standard cover for those with past convictions.
  3. Unusual Properties: Homes made from non-traditional materials, listed buildings, or properties at risk of flooding might require non-standard home insurance.
  4. Specialist Vehicles: Modified or imported vehicles often don’t fit standard policies.

Is Non-Standard Home Insurance More Expensive?

It can be. Due to the perceived increased risk associated with non-standard situations, premiums can be higher. However, the exact price will depend on the nature of the risk and the insurance provider.

How Can One Find the Best Non-Standard Home Insurance Deals?

Shopping around is key. Just as with standard insurance, compare different providers and get multiple quotes. Specialist brokers can also help find tailored non-standard insurance policies that fit individual needs.

Can I Switch from Non-Standard to Standard Insurance?

It depends. If the circumstances leading to the need for non-standard insurance change (e.g., no claims for several years, changes to the property), switching to a standard policy might be possible. It’s worth discussing with insurance providers or brokers.

What Should One Look Out For in Non-Standard Insurance Policies?

  1. Clarity on Cover: Ensure you understand what’s covered and what isn’t.
  2. Excess Charges: You’ll have to pay these amounts towards a claim. They might be different from standard policies.
  3. Special Conditions: A non-standard policy might have unique conditions or requirements.
  4. Renewal Terms: Check how renewals are handled, especially if your situation changes.


Non-standard insurance, while sounding complex, is simply a solution for those unique situations that don’t fit typical insurance offerings. If you feel you might need non-standard insurance, it’s essential to research, understand the nuances, and seek advice if needed. Remember, the goal is to ensure you’re adequately covered, no matter your situation.

Careful Comparisons

When comparing non-standard home insurance policies online, it’s important to remember that there’s no one ‘best’ policy; what’s important is to consider them all and find the one that gives you the right price on the right coverage – for your home and your circumstances. Always take the time needed to be sure you understand what your chosen policy involves and that you’re happy with it.

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