Non-Standard Home Insurance

If you live in a property that is of “non-standard construction” you will likely have had problems getting insurance in the past. That's where we can help.

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Tailored, Non-Standard Home Insurance

Our experienced brokers and tailor-made policies ensure we'll be able to help you find the cover that's right for your property, so you can rest easy knowing you're properly covered.

Features

The buildings section includes cover for:

Loss of rent earnings or temporary accommodation costs whilst the buildings cannot be lived in as a result of an insured loss, up to 10% of the building sum insured.
Fire Brigade charges up to €2,000 as a result of an insured loss.
Trace and Access up to €1,000.
Replacement of locks to safes, alarms, outside doors or windows following theft or loss of keys – up to €250.

The contents section includes cover for:

Office equipment in your home – up to €4,000.
Personal money and Credit Cards – up to €350.
Deeds, prize bonds, registered bonds and other personal documents – up to €750.
Stamps or coins forming part of a collection – up to €750.
Domestic oil in fixed fuel tanks up to €750.

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Benefits

With cover provided for most flat-roof materials, our team of experts will ensure you have the right level of cover for your needs.

Public liability cover – up to €3,000,000.
Accidental damage to building and contents on owner-occupied properties.
Low policy excess.
Quick and efficient claims handling.

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Top Tip #1

Be mindful not to underinsure. Your property, including domestic outbuildings, should be insured for the full rebuilding cost. Find out more here.

Top Tip #2

If you have a flat roof, ensure it is maintained annually. We require that it is replaced once every 15 years.

I was delighted to get cover for my difficult
to insure property.

Siobhan Hanlon

FAQs

Q: I bought a policy online through another insurer. The application did not ask if my property is of non-standard construction - am I covered properly?

A: You may not be covered - contact your insurer immediately to check. Come back to us for a competitive quote if you’re not currently covered.

Q: Over 70% of my property is standard construction but has a non-standard extension to the rear. Am I insured with my current insurer?

A: You may not be covered. Some insurers will deem your property to be non-standard if it has in excess of 20% non-standard construction. You should contact your insurer to confirm that you are adequately covered. Why not ask us for a competitive quote?

Q: I am uncertain how much to insure my home for, can you help?

A: Yes, to assist in this you will need to know the size of your home. Once you have this information you can visit https://scsi.ie/consumer/build/calculator/ for guidance.

Q: What if I underinsure my home to keep the insurance cost down?

A: If you underinsure your home, you may not receive the full amount necessary to rebuild, repair or replace it in the event of partial or complete damage. Claim settlements may be reduced if your buildings or contents sums insured, at the time of any loss or damage, are less than the full rebuild cost or replacement cost.