We are unable to quote on this scheme for
the following:
If your occupation is one of the following:
- Air crew, hostesses and stewards
- Amusement arcade owners / workers
- Bookmakers and turf accountants
- Casino and gaming establishments staff
- Circus and fairground owners / workers
- Debt collectors
- Fashion and photographic models
- Foreign forces personnel
- Itinerant traders and travellers
- Jewellers and furriers
- Market / street traders
- Money lenders and pawnbrokers
- Professional photographers
- Professional sports persons
- Proprietors / employees of bars and night-clubs
- Scrap / general dealers and merchants
- Show business personnel
If the properties
- Are situated outside Great Britain, Northern Ireland, the
Channel Islands and Isle of Man
- Are not in a good state of repair - properties undergoing renovation are acceptable - but accidental damage cover is unavailable on them
until the renovations are completed.
- Are showing signs of damage
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We may be able to quote on this scheme - please
complete the form. In many cases you will be able to 'plead your case' if there are
mitigating circumstances or substantial changes have been made to improve the risk.
- You have had previous insurance declined, cancelled or had
special terms imposed by an insurer.
- You (or any member of your family residing with you) has
- been convicted or charged with or received a caution for
any criminal offence other than motoring offences
- any unsatisfied County Court Judgement
- been made bankrupt
- You have suffered (whether covered by insurance or not) on any one property
- Any losses in respect of subsidence, landslip or heave
- Any loss in respect of flood
- Any loss over £5,000
- Two or more losses in the last twelve months
- Three or more losses in the last three years
- Any liability claim
- Where you have held previous insurance that has expired more
than 30 days prior to commencement of cover
- Your occupation is one of the following
- Antique dealer
- Childminder
- Diplomatic / Embassy staff
- Merchant Seaman
- Musician
- Oil Rig Worker
- Any property is
- not built of brick, stone or concrete and roofed with
slates or tiles (flat roofs of bitumen/ felt are acceptable - but terms apply if over 10 years old)
- built before 1700 and/ or is a listed building
- used for business purposes
- communicating with or forms part of a business premises
- in an area specially exposed to storm
- in an area specially exposed to flood
- in an area specially exposed to subsidence or landslip
- a mobile or leisure home where it is not your main
residence
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