Are there any circumstances that may mean you cannot get Home & Contents Insurance?

Yes. If your property is in an area which experiences frequent flooding or land slip you will find it hard to obtain insurance. Flats in high-rise blocks and properties in certain parts of the country may also experience problems obtaining cover.

Hot Topics

Why is Home Insurance so Important?
Your home is probably your single largest investment and your mortgage will be secured against it. If you’re uninsured and your home were to burn down, then not only have you lost your home and largest investment, but you’re still faced with paying back the mortgage in full.
Will Home Insurance cover your garage, sheds,greenhouse and outbuildings?
Usually they will – but you will have to check the details of the insurance you are being offered.
How Do You calculate the rebuilding cost for your Home Insurance?
You don’t need to! Both the companies that handle our Home Insurance will estimate your rebuilding cost based upon the information you provide and show you their suggested figure on screen.
Complaining about a Home & Contents Insurance Company
The general insurance industry is now regulated by the Financial Services Authority.
Other factors that prevent you from obtaining insurance include a history of claiming (Insurance Companies swap information about claims history).

Some insurers have an upper limit to the value they will insure. However, if you have a very expensive property, this should not mean you can’t get insurance but you may have to shop around.

Frequently Asked Questions related to the above topic.
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