Non Standard Home Insurance Quote
Find out if you can get cheaper insurance today.
Non-Standard Home Insurance in the UK Protecting Homes, Unconventional Needs
Welcome to Riviera Insurance, your trusted partner in securing non-standard home insurance in the UK. We understand that every home is unique, and standard insurance policies may not adequately cover your specific needs. With our tailored non-standard home insurance solutions, you can safeguard your beloved home and its contents with confidence. Whether you have a listed property, a high-value home, or a home with unique construction, we’ve got you covered. Discover why Riviera Insurance is the right choice for your non-standard home insurance needs.
What do I need to get a non-standard home insurance quote?
Obtaining a non-standard home insurance quote is a straightforward process with Riviera Insurance. To get started, simply provide us with some basic information about your property, including its location, type of construction, and any unique features it possesses. Additionally, we may need details about the security measures in place and any previous claims history. Armed with this information, our experienced team will craft a personalised insurance quote tailored to your specific requirements.
Why get non-standard home insurance with Riviera Insurance?
At Riviera Insurance, we specialise in providing comprehensive cover for non-standard homes. Choosing us means gaining access to a wide range of benefits, including:
Tailored cover: We understand the intricacies of non-standard properties and offer insurance solutions that align perfectly with your unique needs.
Expertise: Our team consists of seasoned insurance professionals who are well-versed in the complexities of insuring non-standard homes.
Exceptional Service: We prioritise our customers and strive to provide unparalleled service and support throughout your insurance journey.
Trustworthiness: Riviera Insurance has a proven track record of offering reliable and flexible insurance solutions for non-standard homes.
Discover what our valued customers have to say about their experience with Riviera Insurance’s non-standard home insurance. Read their reviews and testimonials to gain insight into the level of service and protection we provide.
Secure your unique home today with Riviera Insurance’s specialised non-standard home insurance. Get a quote now and ensure your extraordinary home is safeguarded against any eventuality. Contact us today or use our user-friendly online quote tool to get started!
What is non-standard home insurance and why do you need it?
Non-standard home insurance is specifically designed to cover properties that deviate from the standard insurance criteria. These properties may include listed buildings, high-value homes, homes with non-traditional construction materials, or those located in areas prone to flooding or subsidence. Standard insurance policies often fail to adequately protect these unique properties, leaving homeowners vulnerable to substantial financial loss. Non-standard home insurance ensures that your home and its contents are safeguarded against unforeseen events, offering you peace of mind and financial security.
What type of non-standard home insurance do I need?
The type of non-standard home insurance you need depends on your property’s specific characteristics and your cover preferences. At Riviera Insurance, we offer various specialised policies, such as:
Listed Property Insurance
High-Value Home Insurance
Flood and Subsidence Insurance
Non-Standard Construction Insurance
Unoccupied Property Insurance
Our expert advisors will assess your needs and recommend the most suitable cover to protect your non-standard home comprehensively.
How can I get cheaper non-standard home insurance?
While non-standard home insurance may be more specialised, there are still ways to obtain competitive rates. Here are some tips to help you secure more affordable premiums:
Enhance Security: Installing robust security measures like burglar alarms and CCTV can reduce the risk of theft and potentially lower your insurance costs.
Voluntary Excess: Opting for a higher voluntary excess can lead to reduced premiums. However, ensure you can afford the excess amount in case of a claim.
Bundle Policies: If you have multiple insurance needs, consider bundling them with a single insurer, as this can often lead to discounted rates.
Shop and Compare: Don’t settle for the first quote you receive. Compare prices and cover options from multiple insurers to find the best deal.
The cost of non-standard home insurance varies depending on several factors, including the property’s unique features, location, rebuild value, contents value, and the level of cover required. Generally, non-standard home insurance may be slightly higher in price than standard policies due to the increased risk associated with unique properties. However, Riviera Insurance strives to offer competitive rates without compromising on cover quality.
What factors affect the cost of non-standard home insurance?
Several factors can influence the cost of your non-standard home insurance, including:
Property Type and Construction: The materials used and the age of your property can impact the insurance premium.
Location: Properties in high-risk areas, such as floodplains or crime-prone neighbourhoods, may have higher premiums.
Security Measures: Homes equipped with advanced security systems are considered less risky and may attract lower premiums.
Rebuild and Contents Value: Higher rebuild and contents values will lead to increased insurance costs.
Previous Claims History: A history of frequent claims might result in higher premiums.
Make the most out of your non-standard home insurance with our optional upgrades and add-ons:
Riviera Insurance offers a range of optional upgrades and add-ons to enhance your non-standard home insurance policy. These may include:
Accidental Damage Cover
Home Emergency Cover
Legal Expenses Cover
Personal Possessions Cover
Our knowledgeable advisors can help you customise your policy with these additional protections for complete peace of mind.
Download our FREE app
At Riviera Insurance, we want to help you. That is why we have developed the Riviera Insurance App to help you easily upload documents, view your documents, report claims and much more.
What types of non-standard homes can I insure?
Riviera Insurance caters to a wide range of non-standard properties, including but not limited to:
Thatched Roof Homes
Timber Frame Houses
Properties with Previous Subsidence or Flooding Issues
Unoccupied or Second Homes
Frequently asked questions
on-standard home insurance is a specialised type of insurance designed to cover properties that don’t meet the typical criteria for standard home insurance policies. It is tailored for unique or high-risk properties, such as older homes, homes with a history of claims, homes in high-risk locations, or properties with non-standard construction.
Properties that may be considered non-standard include older homes, historical buildings, homes with unique architecture or construction materials, homes in high-risk areas (e.g., flood zones or wildfire-prone regions), vacant homes, and properties with previous insurance claims or damage history.
If your property doesn’t meet the eligibility criteria of standard home insurance policies, you may require non-standard home insurance to ensure adequate cover. Regular policies might exclude specific risks, leaving your property vulnerable to potential losses.
Non-standard home insurance policies usually cover the same core risks as standard policies, such as fire, theft, and liability. However, they might also include additional cover for risks specific to your property’s unique circumstances, like damage from specific natural disasters or protection from unusual construction materials.
Yes, non-standard home insurance typically comes with higher premiums than standard policies. This is because these properties often present higher risks to the insurance company, leading to increased costs to adequately cover potential losses.
Insurance companies assess various factors, including the property’s age, location, construction materials, condition, claims history, and any special risk features to determine eligibility for non-standard home insurance.
If your property undergoes significant changes or no longer meets the criteria for standard home insurance, you may need to switch to a non-standard policy. However, it’s essential to notify your insurance provider of any modifications or changes to ensure continuous cover.
While non-standard home insurance tends to be more expensive, some insurance companies might offer discounts for certain safety features or risk-mitigating measures implemented on your property.
Remember that the specific details of non-standard home insurance policies can vary widely between insurance providers, so it’s crucial to read and understand the terms and conditions of any policy before purchasing.
Big enough to save, small enough to care.
Our staff are empowered to contact insurance companies and underwriters on your behalf, giving an entirely personal service across the whole UK with no call centres. We take the time to know your insurance needs to offer you the cheapest insurance policy.
With the added benefit of optional cover, options are to suit you and your pocket. So, finding cheap insurance has never been more simple.
If you are local to Torbay, you can even pop in and see us arrange your insurance at our high street office on Union Street in Torquay.