Adverse Personal and Claims History
Open & Direct understands financial challenges can happen to anyone, and we’re here to help you secure the cover you need without unnecessary financial strain
Get a Home Quote Retrieve a QuoteClaims History and Adverse Personal History
- We specialise in arranging home insurance for individuals with a diverse range of non-standard circumstances, including those with bankruptcy history.
- Securing home insurance after making claims in the past can be difficult as many insurers are reluctant to provide cover or they may outright refuse cover for those with a claims history.
- We strive to offer comprehensive home insurance for everyone, whether claims have been made in the past or not.
- In the world of insurance, a recent claims history categorises an individual as a higher risk, making it more challenging to secure coverage from ‘standard’ insurers. Many traditional providers may decline home insurance for individuals with claims history.
- Your claims history matters as it influences how insurers perceive risk. Individuals with recent claims are considered higher risk, which can lead to challenges in securing cover from standard insurers.
Optional Extras
Family Legal Protection
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Home Emergency
Learn moreFamily Legal Protection
If you need to make a legal claim, you and anyone living with you can receive up to £50,000 for advisers' costs for certain types of legal action relating to your home from personal injury to faulty workmanship.
Benefits include:
- 24/7 advice helpline and dedicated online legal assistance portal offering legal templates, legal advice booking service and claims system
- Cover up to £50,000 for any one claim.
- Covers personal injury, property infringement, property damage, faulty goods and workmanship.
- Covers you and any member of your family permanently living with you.
- Covers loss of salary or wages for the time off work to attend any court or tribunal hearing when pursuing of defending legal proceedings.
- Covers employment disputes and costs to pursue legal action.
- For Main Homes only. Exclusions and Terms and Conditions apply.
Home Emergency
Home Emergency Insurance provides insurance up to £1,000 ) for certain claims (including VAT, call out charges, labour, parts and materials) to cover specific types of home emergencies.
Benefits include:
- Cover for heating system failure, roof damage, burst pipes, plumbing issues, property damage and loss of keys.
- Overnight accommodation in the event your property becomes uninhabitable, up to £250.
- 24/7 Emergency Assistance Helpline.
- Up to 4 call outs per year.
- For Main Homes only. Exclusions and Terms & Conditions apply.
Claims
Support for every step of the claims journey.
Call: 08000 327 327
Email: homeclaims@prestigeunderwriting.co.uk