Owner Occupier Insurance

Non-standard products

· Long term unoccupied properties

· Properties undergoing works

· Non-Standard construction premises

· Grade II Listed premises

· Properties with 100% flat roofs

· Properties have been turned down elsewhere in the past

· Properties of non-standard construction – wood, steel frame, plastic etc.

· Customers with previous convictions

· Customers who run businesses from home, working or trading from home such as Hairdressing (beauty), B&Bs, child-minding, video/photography productions etc..

· All types of tenants working, DSS, students, Asylum seeker, HMO, Bedsits and Holiday homes;

· High net worth;

· People who have had insurance declined;

· Commercial and residential mixed (i.e. Flats above shops)

· Standalone Terrorism quotes for almost all properties, Home Insurance, Landlords and commercial

· Non-Continuous Insurance

· Bed-Room rated product offering Blanket cover of £650,000 for buildings, £65,000 for contents and £20,000 for Personal Possessions (single article limit is £10,000).

Unoccupied

· Unoccupied property- Residential unoccupied and commercial unoccupied

· Properties going under renovation work;

· Offers full cover between lets for 30 days, at standard excess- •MTA - FLEA after 30 Days

· Student 90 days between lets cover for properties let to students, to cover them during the summer void period. Un-Occupancy conditions will still apply, but cover would not be restricted to FLEEA. This will be case by case basis.