Business Details
Emergency
services
Specialist Home Insurance for Non-Standard Properties
At Intelligent Insurance, we specialise in providing tailored home insurance solutions for non-standard properties and unique personal circumstances. Our expertise extends to covering listed buildings, second homes, unoccupied properties, and homes requiring renovation or specialist construction. Rated 5 Stars by Defaqto, we work with a panel of UK insurers to ensure high cover levels as standard, including family legal protection and home emergency services. Our policies are designed to address complex needs, such as flood risk, subsidence, and high-risk occupations, while maintaining a commitment to exceptional customer service.With a strong presence on Trustpilot and a focus on transparency, we prioritise clear communication, competitive pricing, and swift claims resolution. Our team of experts is available five days a week to guide clients through the process, ensuring they receive the most appropriate coverage for their specific requirements. We pride ourselves on offering a seamless online experience for policy renewals and amendments, supported by real-time assistance when needed. Our dedication to innovation and client satisfaction has established us as a trusted partner for homeowners seeking reliable protection in challenging scenarios.
Services
Non-Standard Home Insurance
Listed Building Insurance
Second Home Insurance
Unoccupied Home Insurance
Home Emergency Insurance
Family Legal Protection
Barn Conversion Insurance
Flat Roof Insurance
Outbuilding Insurance
Refused Insurance Coverage
Highlights and features
- We provide a 5 Star Defaqto Buildings and Contents Policy.
- Rated Excellent for service by customers on Trustpilot.
- Offer best quotes from a panel of UK insurers.
- Include standard family legal protection and home emergency cover.
- Provide real-time support from a friendly team five days a week.
Associations and certifications
- Defaqto
- Financial Conduct Authority (FCA)
What people say
More cover for the money
Quick claims resolution
Easy policy renewal
Competitive pricing
Helpful staff
Services
Non-Standard Home Insurance
We provide tailored home insurance for properties that fall outside standard insurer criteria, including listed buildings, timber-framed homes, and properties with subsidence. Our policies offer comprehensive coverage for buildings, contents, and accidental damage, ensuring protection for unique structures and high-risk situations. Designed for homeowners with complex needs, this service addresses flood risk, renovation projects, and non-traditional construction materials.
Listed Building Insurance
Our listed building insurance safeguards properties with historical or architectural significance, covering repairs that meet strict conservation requirements. Policies include protection for original materials, specialist craftsmanship, and compliance with heritage regulations. This service ensures homeowners can maintain their property's integrity while securing financial protection against unforeseen events like fire, theft, or structural damage.
Second Home Insurance
We offer dedicated insurance for second homes, including holiday properties and investment rentals, with coverage for unoccupied periods and seasonal use. Policies protect against risks such as vandalism, weather damage, and liability claims, while accommodating varying occupancy patterns. This service caters to owners seeking reliable protection for properties not used as primary residences.
Home Emergency Insurance
Our home emergency insurance provides immediate assistance for urgent issues like plumbing failures, electrical faults, and security breaches. Available 24/7, this service ensures rapid response and repairs to minimise disruption and prevent further damage. It includes coverage for call-out fees, temporary accommodation, and emergency repairs, offering peace of mind for unexpected household crises.
Family Legal Protection
This service includes free legal protection for family-related property matters, such as disputes over boundaries, neighbour conflicts, and property sales. Policies cover legal fees up to 25,000, providing access to expert advice and representation. Designed to simplify complex legal challenges, it ensures homeowners can resolve issues without incurring significant out-of-pocket costs.
Questions
What types of non-standard properties do you cover?
We cover listed buildings, timber-framed homes, barn conversions, flat roofs, and properties with subsidence or flood risk. Our policies also address unoccupied homes, second homes, and properties undergoing renovation.
Does my policy include outbuilding coverage?
Yes, most outbuildings like sheds and garages are covered up to £30,000 per structure. Older policies may have lower limits, and additional coverage can be added if needed.
Can I renew my policy online?
Yes, you can view and accept your renewal offer via My Account. Contact us first if you need policy changes to ensure an updated quote.
Is family legal protection included?
Yes, all policies include free family legal protection up to £25,000 for property disputes, consumer rights issues, and legal support during property transactions.
How do I make a claim?
Contact your insurer directly using details from your Policy Schedule or our 'Who is my insurer?' tool. For home emergency claims, reach out to the relevant insurer immediately.
Are there discounts for long-term customers?
While we don't explicitly advertise discounts, many customers benefit from competitive renewal rates and loyalty through our tailored coverage and service consistency.
Reviews (5)
John King
May 29, 2021
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Be careful. I was quoted a price for house and contents insurance, which was better than others. Then, when I took it out and was sent policy documents there were extra conditions attached which resulted in an additional surcharge becoming payable. I was told it was up to me to check through their website for all terms and conditions. Something that they know in practice almost nobody will do.
Colin Austin
Apr 16, 2021
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Great. Very understanding of our needs, found the best policy options for a much better - waaay better, in fact - than a certain 'red telephone' could do.
Richard Hedge
Feb 13, 2021
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Used 'Compare The Market' to renew my Home Insurance policy and 'Intelligent Insurance' came out on top. Primarily on cost, but also most other areas, ie: excess charges, legal aid and Breakdown cover. Only negative:- all on-line, nothing at all via post, not even policy confirmation. Chat line useful to clarify some points. So far so good!
Ken Davidson
Feb 11, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Efficient comprehensive and good value good live chat
Efficient comprehensive and good value good live chat
Annette
Feb 03, 2021
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Failed to communicate and to provide a service. Repeatedly did not call back when they said they would. Failed to provide the service they were paid for. Did not communicate clearly through any means. Was left dangling with a claim for weeks. Stress and waste of time and money. Now they want a hefty admin fee to cancel the policy they never honoured. Impossible to do business with. Keep your money!
