Refused Home Insurance | Homeprotect (2024)

Finding cover after a refusal to renew or a cancellation notice

When you start a quote,home insurance providersmay ask whether you have ever had a policy cancelled or refused. You have a duty to answer the questions asked honestly and to the best of your knowledge. By answering ‘Yes’ truthfully, you will likely be asked several follow-up questions. This is so that your potential insurer can assess the risk to underwrite your policy and provide adequate cover.

Why would you be refused homeinsurance?

There can be several reasons for a refusal. for instance, if a high value claim has been paid or your circ*mstances have changed since the original policy was taken out. In some cases, an insurance provider may not be able to offer cover because you didn’t meet an underwriter’s criteria. It all depends on your personal and property circ*mstances.

Reasons you could be refused home insurance:

• Your house is left empty for more than 30 days at a time.
• Your house is of non-standard construction.
• You have made several claims in previous years.
• You live in a house share with others who are not related by blood or marriage.
• You or someone you live with has acriminal conviction.
• You live in a high flood risk area.
• You let rooms to lodgers.
• You run a business from home.

What to do when your home insurance is cancelled

It can be difficult to find cover from another provider after a refusal to renew or a cancellation notice but it is worth taking the following steps:

• Speak with your insurer to find out why your policy has been cancelled.
• Resolve the issue if possible and ask for your cover to be reinstated.
• Make a complaint to your insurer in writing.
• Contact the Financial Ombudsman if you think your insurer is not treating you fairly.
• If your current insurer does not reinstate the policy, contact a specialist insurance provider.

Your house insurance provider has the right to cancel your policy in certain circ*mstances, such as failed payments, fraud or failure to disclose a change in circ*mstances or a change to the property.

At Homeprotect we understand your situation and do not believe that you are uninsurable. We can provide a home insurance quote online in 97% of cases, even if you have been refused insurance in the past.