Specialists in
Non-Standard Home Insurance

Long established and highly trusted in delivering non-standard and niche Home insurance to property owners across the UK


If your property has non-standard features or conditions, securing home insurance can often be a challenge.  Many insurers may consider non-standard properties to be too high risk and therefore are unable to quote for and/or offer renewal terms on your policy.  This is where Open and Direct can help you. With a wealth of experience and knowledge, our team are here to take away the unnecessary worry this may cause you by assisting in securing bespoke cover for your property.     

At Open and Direct we are specialists in non-standard Home Insurance and our versatile, non-standard insurance is designed especially for customers who have difficulty securing cover.  With our adaptable approach, we approach each policy on a case-by-case basis and can quote and provide suitable Buildings and Contents insurance cover, at a competitive premium, for a wide variety of circumstances including:

  • Non-standard construction including non-standard roof or wall materials 
  • Unoccupied properties
  • Holiday homes/ second homes         
  • Residential let properties
  • Under renovation/ reconstruction
  • Properties with a history of subsidence
  • Water near your property (Flood risk)
  • Listed building 
  • Bed and breakfast and Airbnb
  • Gaps in cover
  • Criminal convictions
  • Adverse personal and claims history
  • Business use

Please see policy wording for full terms and conditions.