Non-standard Home insurance

We able to provide insurance solutions for those risks which many insurers deem to be non-standard and traditionally difficult to place.  Whether it’s because your home is used for Airbnb or you operate bed & breakfast facilities, have been affected by subsidence or flooding, or whose property is of non-standard construction, we have access to niche markets which enables us to provide terms for a number of non-standard requirements.

Non-standard home insurance

We able to provide insurance solutions for those risks which many insurers deem to be non-standard and traditionally difficult to place.  Whether it’s because your home is used for Airbnb or you operate bed & breakfast facilities, have been affected by subsidence or flooding, or whose property is of non-standard construction, we have access to niche markets which enables us to provide terms for a number of non-standard requirements.

Thatched home insurance

​As the owner of a thatched home, you will appreciate that the cover required cannot be offered by the majority of home insurers.  We work with a handful of specialist home insurance companies who can provide thatched home insurance.

 

Our insurers are able to provide cover for the full range of thatched roof constructions, plus a wide variety of heating methods including open fires and wood burning / solid fuel stoves.

Our thatched home insurance companies provide cover for all the features you would expect from a comprehensive home insurance policy including cover for buildings, contents, valuables and property owners liability. 

Unoccupied home insurance

There are many reasons why a property may be unoccupied, but many standard insurers will withdraw cover once a property has been unoccupied for a period of time, typically 30 days or 60 days.  We have a selection of specialist unoccupied property insurance companies who will provide full cover for vacant properties, including:

  • Fire damage
  • Escape of water / burst pipes
  • Theft / malicious damage
  • Storm damage
  • Accidental damage

We are also able to provide short term policies of 3 months and 6 months as well as the usual 12 months.

We receive a number of referrals from estate agents, letting agents and solicitors involved with wills, trusts and probate due to the flexible approach to cover our underwriters are able to provide individuals requiring comprehensive unoccupied home insurance.

Subsidence or underpinned property insurance

If you own a home which has previously suffered from subsidence, has been underpinned or has a history of movement, we can arrange cover through our network of non-standard home insurance companies to include the buildings, your contents, valuables and public liability.

Working with some of the best home insurance companies for non-standard insurance allows us to often provide comprehensive insurance cover without some of the unfavourable terms and conditions or additional premiums that are often applied to homes with a history of subsidence.

Home insurance for flood-risk areas

As the episodes increases, you may find you home is either situated in a high-risk flood area, or has unfortunately already been affected by flooding, we can arrange cover through our network of non-standard home insurance companies to include the buildings, your contents, valuables and public liability.

We have access to insurers who have subscribed to the Government’s Flood Re scheme which aims to make flood cover more affordable for homeowners who live in high-risk flood areas. Working with some of the best home insurance companies for non-standard insurance, we are often able to provide comprehensive insurance cover without some of the unfavourable terms and conditions or additional premiums that are often applied to homes which have been affected by, or at risk of, flooding.

Multiple claims history

Unfortunately, unforeseen events occur, damage arises and an insurance claims needs to be made. That is what we all pay our insurance premiums for. However, sometimes a recurring event or multiple unrelated incidents can occur and this can sometimes result in standard insurers withdrawing future cover or increasing premiums. In this instance, you may require cover from a specialist home insurance company. Working with some of the best home insurance companies for non-standard insurance, we are often able to provide comprehensive insurance cover without some of the unfavourable terms and conditions or additional premiums that are often applied to policyholders who have needed to make several claims.

Don't Take Our Word For It

I had tried lots of other brokers but some didn’t bother to get back to me

I had tried lots of other brokers but some didn’t bother to get back to me, and others couldn’t offer cover for our property. I found your service very professional and efficient. It is nice to speak with an individual person rather than a large company of telesales people!

I should be happy to reco…

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Mrs H.W

I had tried lots of other brokers but some didn’t bother to get back to me

I had tried lots of other brokers but some didn’t bother to get back to me, and others couldn’t offer cover for our property. I found your service very professional and efficient. It is nice to speak with an individual person rather than a large company of telesales people!

I should be happy to recommend you to anyone or act as a reference.

Mrs H.W

Great service and made sure I had everything I needed! Thank you!

Alastair kindly helped me with my office insurance when setting up the office last year! Great service and made sure I had everything I needed! Thank you!

Fran Coulter

Great service and made sure I had everything I needed! Thank you!

Alastair kindly helped me with my office insurance when setting up the office last year! Great service and made sure I had everything I needed! Thank you!

Fran Coulter

Would highly recommend

Great service for our home insurance. Found us a much cheaper and more comprehensive insurance than we’d previously had. Would highly recommend

Janet Flowers

Would highly recommend

Great service for our home insurance. Found us a much cheaper and more comprehensive insurance than we’d previously had. Would highly recommend

Janet Flowers

Open and honest at all times, and I would recommend him without a moment’s hesitation.

My situation has been complicated by a previous subsidence claim, but Alastair has gone above and beyond to help me find appropriate cover.
He has been responsive and efficient, while always providing excellent advice.
I have found him to be open and honest at all times, and I would recommend him without a mo…

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Dave Cooper

Open and honest at all times, and I would recommend him without a moment’s hesitation.

My situation has been complicated by a previous subsidence claim, but Alastair has gone above and beyond to help me find appropriate cover.
He has been responsive and efficient, while always providing excellent advice.
I have found him to be open and honest at all times, and I would recommend him without a moment’s hesitation.
Thank you Alastair.

Dave Cooper

Alastair has constantly found me better deals and provided exceptional service throughout

I have used Alastair James for car, building and contents insurance. Alastair has constantly found me better deals and provided exceptional service throughout. I will definitely be using their services again in the future.

Kier James Roff-Stanion

Alastair has constantly found me better deals and provided exceptional service throughout

I have used Alastair James for car, building and contents insurance. Alastair has constantly found me better deals and provided exceptional service throughout. I will definitely be using their services again in the future.

Kier James Roff-Stanion

I would thoroughly recommend using Alastair for all your insurance needs.

Alastair has sorted out a number of insurances for us with total professionalism and efficiency. He has dealt with our car and home insurance and in all cases he has come up with exactly what we wanted, balancing cost with cover and also some additional benefits we had not considered. I would thoroughly…

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Christine Helps

I would thoroughly recommend using Alastair for all your insurance needs.

Alastair has sorted out a number of insurances for us with total professionalism and efficiency. He has dealt with our car and home insurance and in all cases he has come up with exactly what we wanted, balancing cost with cover and also some additional benefits we had not considered. I would thoroughly recommend using Alastair for all your insurance needs.

Christine Helps

Will continue using for the foreseeable future.

Alastair has helped my brother and I with numerous insurance requirements for several years. He has always provided exceptional service and prompt responses. As a result we have always found the best deals for all our insurance needs. Will continue using for the foreseeable future.

Rowan Roff-Stanion

Will continue using for the foreseeable future.

Alastair has helped my brother and I with numerous insurance requirements for several years. He has always provided exceptional service and prompt responses. As a result we have always found the best deals for all our insurance needs. Will continue using for the foreseeable future.

Rowan Roff-Stanion

Really got to know me and my business and helped me get a better understanding of which cover I should have in place

Alastair provides a professional and personal insurance service. He really got to know me and my business and helped me get a better understanding of which cover I should have in place. Would definitely recommend talking to Alastair if your insurance is up for renewal

Miss A.T

Really got to know me and my business and helped me get a better understanding of which cover I should have in place

Alastair provides a professional and personal insurance service. He really got to know me and my business and helped me get a better understanding of which cover I should have in place. Would definitely recommend talking to Alastair if your insurance is up for renewal

Miss A.T

Alastair listens to your exact requirements

Alastair listens to your exact requirements and finds the policies that suit you. Drop him a message

Mr S.C

Alastair listens to your exact requirements

Alastair listens to your exact requirements and finds the policies that suit you. Drop him a message

Mr S.C

Excellent service, Alastair, thank you for all your help. I

Excellent service, Alastair, thank you for all your help. I look forward to speaking again when my other policies are due

Mr G.D

Excellent service, Alastair, thank you for all your help. I

Excellent service, Alastair, thank you for all your help. I look forward to speaking again when my other policies are due

Mr G.D

Thank you for your help

Thank you for your help. You have been most patient with me and it’s appreciated

Ms R.D

Thank you for your help

Thank you for your help. You have been most patient with me and it’s appreciated

Ms R.D

Polite, very helpful and professional.

Polite, very helpful and professional.

Tess Mariapa

Polite, very helpful and professional.

Polite, very helpful and professional.

Tess Mariapa

PRIVATE CLIENT INSURANCE BROKERS

As private client insurance brokers, we have access to a variety of insurers and underwriting agencies who specialise in the insurance of high value homes, contents, valuables, performance cars and classic cars.

COMMERCIAL CLIENTS

Through our role as commercial insurance brokers we can provide comprehensive cover for individual company directors and sole traders through to small and medium sized enterprises and national organisations.

ABOUT ALASTAIR

Alastair established Alastair James Insurance Brokers Limited after nearly twenty years’ experience in the insurance industry, in both the Commercial and Private Clients sector.

Request a callback

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