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Been refused house insurance cover? We can help..

July 14th, 2017

Been refused insurance cover for your property? You’re not alone..

We at Nonstandardinsurance.ie have noticed a marked increase in those contacting us that have been refused property and home insurance cover. Some of the common reasons we see people been refused insurance cover for their home include:

  • An insurer may have revised their acceptance area and have now decided that your property is now outside the area that they want to cover.
  • You may have been unlucky enough to have a number of claims within a number of years and your insurer has decided that they no longer want to take the risk of insuring you.
  • Your circumstances may have changed and your insurer may not now want to offer you cover (a common example of this would be where someone has started a business from home and their home insurer will now not offer cover).
  • When a client (either intentionally or inadvertently) has been deemed by the insurer as not disclosing a material fact and as a result their policy has been cancelled.
  • You have found that your insurer has deemed the area you live in as a flood area.
  • You or someone you live with has a conviction or past history the insurance company do not like.
  • Your home or property has been deemed ‘non standard’.

What can I do if I have been refused home or property insurance?Non standard property insurance

First of all, it is helpful to find out exactly why your insurer is not offering you cover (this is not often obvious when you receive a letter saying they are not offering cover). Under section 4.39 of the Central Banks consumer protection code, you can ask your insurer to state why in writing that they are not offering cover.

Once you have that information, you can start contacting specialist brokers (such as nonstandardinsurance.ie) for an alternative. But beware, most Irish based insurers are still quite conservative with their risk acceptance. We at Nonstandard insurance specialise in providing home and property insurance for those that are having difficulty in obtaining it elsewhere. We deal with specialist insurers who will quote in the majority of cases. The below are some tips on how you can make your home more insurable.

Is there anything I can do to make my property more insurable?

We have found that we can obtain terms in the vast majority of cases. Rarely cover will not be offered and that may not be in your control (if your house has had a previous flood for example, you may be able to obtain cover but excluding flood cover), but there are some areas that may help you obtain cover if you have previously been refused:

  • If you have been declined for being in a flood or subsidence area,do some research (www.floods.ie can be helpful for this) and see if your house is in fact in a flood or subsidence area (sometimes insurers flood area’s are too broad and you can argue that your house is in fact not a flood risk). Even if your home is in a flood area, they’re may be factors that will prevent your home from flooding (if your home is on higher ground for example), so this should be all noted to your existing or new insurer.
  • If your policy has been cancelled due to a non disclosure, write a note as to the circumstance of this. Was it inadvertent and an honest mistake that some info was not disclosed? If so, note this to the company. Insurance companies have a complaints procedure which should be followed.
  • If your circumstances has changed (you’ve began working from home for example), contact the company early about this. Explain how this will not increase their risk of covering you if this is the  case. They may try harder to cover you if you volunteer the information, rather than them finding out about it afterwards.

We are specialists in helping those that have been refused property cover and
in the majority of cases we can obtain terms. Contact the experts on 0818919699 for a quotation today or visit our property insurance page for further details or to complete a submission form.

Rent out all or part of your home? You need to change your insurance policy.

June 30th, 2017

Rent out all or part of your home? You need to change your insurance policy..

The so called sharing economy is really starting to gain momentum across the world, with everything from cars, boats and even Kayaks shared by people in return for some income. The likes of AirBnB have proved really successful in linking tourists with locals, but how does sharing your home effect your insurance?

  • If  you have home insurance and are renting your property & haven’t told your existing insurer, it could result in a claim not being paid or could invalidate your policy.
  • The likes of AirBnB have insurance cover built in, but there are a lot of limitations to this cover. Make sure to read to the T&C’s carefully and note just because AirBnB have some cover for home owners, this won’t stop your main insurer invalidating your overall claim.
  • Have you reviewed your security and fire prevention procedures in your home to allow for guests?
  • If you have additional cover such as accidental damage cover on your policy, sharing your home may invalidate this.
  • If your existing insurer does not want to insure you, make sure that you organise alternative cover before they cancel your policy. A ‘forced’ cancellation will have to be notified to any new insurer.

What can I do to make sure I am covered?

AirBnB insurance can be a mine field.

First of all, contact your existing insurer. They may agree to cover your temporary tenants, or at the very least not deny a claim on your home because you are renting out your property. If they are refusing to cover you, contact a specialist insurer (such as nonstandardinsurance.ie!) and try and obtain a quotation first as you do not want a forced cancellation on your record.

Is there anything I can do to make my property less of an insurance risk?

Of course, not having a claim or incident in the first place is the best way of avoiding a claim. Here are some ideas that may help:

  • Know your tenant: Get to know who is going to be sharing or using your property. Younger people or students may be an issue in certain areas, whilst in other areas they maybe very welcome. Does the tenant have a track record of using shared home services?
  • Prevention is better than cure: Even with the most conscientious of tenants, accidents happen, so try and remove anything of great value before you rent out your home, especially items that are expensive and by removing them won’t effect the tenants experience.
  • Make sure fire prevention and intruder alarms are working and that your tenant know how to use them. Leave emergency contact numbers in the event of an issue.

When it comes to sharing or renting out your property, insurance can be a mine field. Contact the experts on 0818919699 for a quotation today or visit our property insurance page for further details or to complete a submission form. We will be happy to help.

 

No no claim bonus? No problem!

June 15th, 2017

No no-claim bonus? No problem..

There can be a number of reasons that you can find yourself without a no claim bonus for your motor insurance policy, such as:

  • You have been outside of the country for a number of years and don’t have any proof of driving.
  • You may have had a recent insurance claim or have a claim that is outstanding.
  • You may need a second car in the family and don’t have a no claim bonus built up on it.
  • You may have been driving under a company scheme and don’t have your own no claim bonus built up.
  • You may have had a driving conviction and are only recently going back on the road.

Why does not having a no claim bonus make it so difficult to get insurance cover?

Most standard insurers will require you to have a minimum of 2 years no claim bonus before quoting, if you don’t have this it can be very difficult to obtain a quotation in the Irish motor insurance market.

This can be even more difficult for someone that has been off the road for a motoring conviction. The issue most people have when looking for insurance following a motor insurance conviction is that most insurers will only allow a no claim bonus for up to 2 years after expiry, after that you are back to square one. This is where our unique motor scheme comes in to play. We can allow a no claim bonus up to four years after expiry, which will make a massive difference to the premium.

Will the premium be very expensive if I don’t have a no claim bonus?

Obviously those looking for insurance following a drink driving conviction or similar can expect to pay elevated premiums initially as will those without a no claim bonus, but we can help to eventually ‘normalise’ your premium in due course, some of the ways we can help those without a no claim bonus include:

  • Some of our non standard insurers will quote without a no claim bonus and help you build your bonus in the years ahead.
  • Options such as a higher policy excess and direct debit can help reduce and spread the cost.
  • At every renewal date we will shop around (both standard and non standard insurers) for you to help secure the best deal on the available market.
  • We can help reinstate a no claim bonus if you have had one in the past, but have been off the road for more than 2 years (subject to company acceptance)

So if you don’t have a no claim bonus and need insurance cover, don’t waste your time with other insurers. Contact the experts on 0818919699 for a quotation today or visit our motor insurance page  for more details

Been refused insurance cover for your property? We can help..

May 8th, 2017

Been refused insurance cover for your property? You’re not alone..

We at Nonstandardinsurance.ie have noticed a marked increase in those contacting us that have been refused property and home insurance cover. Some of the common reasons we see people been refused insurance cover for their home include:

  • An insurer may have revised their acceptance area and have now decided that your property is now outside the area that they want to cover.
  • You may have been unlucky enough to have a number of claims within a number of years and your insurer has decided that they no longer want to take the risk of insuring you.
  • Your circumstances may have changed and your insurer may not now want to offer you cover (a common example of this would be where someone has started a business from home and their home insurer will now not offer cover).
  • When a client (either intentionally or inadvertently) has been deemed by the insurer as not disclosing a material fact and as a result their policy has been cancelled.
  • You have found that your insurer has deemed the area you live in as a flood area.
  • You or someone you live with has a conviction or past history the insurance company do not like.
  • Your home or property has been deemed ‘non standard’.

 

What can I do if I have been refused home or property insurance?Non standard property insurance

First of all, it is helpful to find out exactly why your insurer is not offering you cover (this is not often obvious when you receive a letter saying they are not offering cover). Under section 4.39 of the Central Banks consumer protection code, you can ask your insurer to state why in writing that they are not offering cover.

Once you have that information, you can start contacting insurers for an alternative. But beware, most Irish based insurers are still quite conservative with their risk acceptance. We at Nonstandard insurance specialise in providing home and property insurance for those that are having difficulty in obtaining it elsewhere. We deal with specialist insurers who will quote in the majority of cases. The below are some tips on how you can make your home more insurable.

Is there anything I can do to make my property more insurable?

We have found that we can obtain terms in the vast majority of cases. Rarely cover will not be offered and that may not be in your control (if your house has had a previous flood for example, you may be able to obtain cover but excluding flood cover), but there are some areas that may help you obtain cover if you have previously been refused:

  • If you have been declined for being in a flood or subsidence area,do some research (www.floods.ie can be helpful for this) and see if your house is in fact in a flood or subsidence area (sometimes insurers flood area’s are too broad and you can argue that your house is in fact not a flood risk). Even if your home is in a flood area, they’re may be factors that will prevent your home from flooding (if your home is on higher ground for example), so this should be all noted to your existing or new insurer.
  • If your policy has been cancelled due to a non disclosure, write a note as to the circumstance of this. Was it inadvertent and an honest mistake that some info was not disclosed? If so, note this to the company. Insurance companies have a complaints procedure which should be followed.
  • If your circumstances has changed (you’ve began working from home for example), contact the company early about this. Explain how this will not increase their risk of covering you if this is the  case. They may try harder to cover you if you volunteer the information, rather than them finding out about it afterwards.

We are specialists in helping those that have been refused property cover and
in the majority of cases we can obtain terms. Contact the experts on 0818919699 for a quotation today or visit our property insurance page for further details or to complete a submission form.

Insurance for convicted drivers

January 10th, 2017

Insurance for convicted drivers

Everyone makes mistakes. Whilst drink driving should never be condoned, what happens after you have served your time, changed your ways and wish to get insurance?

  • Generally your existing insurer will not quote after a conviction.
  • You can force your existing insurer to quote (which they are obiliged to do, if you follow certain procedures) but expect basic cover and a massive premium if they do.
  • If  you can get someone to quote, chances are they will not allow your previous no claim bonus as it will have expired more than 2 years.
  • Expect very high premiums for a long time whilst the insurer punishes you for having a conviction and no no claim bonus.

There is an easier (and far cheaper!) way then the above however. By contacting nonstandard, we will help you obtained quotes from our non standard insurers, who will often accept your conviction and reinstate your no claim bonus up to four years after your policy has expired.

Why does reinstating my bonus matter so much?

We often find we have a number of options for convicted drivers, but what makes a massive difference to the premium is whether we can get your no claims bonus reinstated or not. If you think back how expensive your insurance was when you started out and how long it took for the premium to come down to a normal level, you can see how much a full NCB means to the cost of your insurance

The issue most people have when looking for insurance following a motor insurance conviction is that most insurers will only allow a no claim bonus for up to 2 years after expiry, after that you are back to square one. This is where our unique motor scheme comes in to play. We can allow a no claim bonus up to four years after expiry, which will make a massive difference to the premium.

Will I have to pay an increased premium forever?

Obviously those looking for insurance following a drink driving conviction or similar can expect to pay elevated premiums initially, but we can help to eventually ‘normalise’ your premium in the following ways:

  • By having your no claim bonus reinstated, you are immediatley in a better position at renewal time and more insurers will be available to you.
  • At every renewal date we will shop around (both standard and non standard insurers) for you to help secure the best deal on the available market.
  • We (in most cases) can offer direct debit facilities to balance out the cost of insurance.

If you have had a previous conviction of any kind and need insurance cover, don’t waste your time with other insurers. Contact the experts on 0818919699 for a quotation today or vist our convicted drivers motor insurance page for further details..

Insurance for convicted drivers

January 10th, 2017

Insurance for convicted drivers

Everyone makes mistakes. Whilst drink driving should never be condoned, what happens after you have served your time, changed your ways and wish to get insurance?

  • Generally your existing insurer will not quote after a conviction.
  • You can force your existing insurer to quote (which they are obiliged to do, if you follow certain procedures) but expect basic cover and a massive premium if they do.
  • If  you can get someone to quote, chances are they will not allow your previous no claim bonus as it will have expired more than 2 years.
  • Expect very high premiums for a long time whilst the insurer punishes you for having a conviction and no no claim bonus.

There is an easier (and far cheaper!) way then the above however. By contacting nonstandard, we will help you obtained quotes from our non standard insurers, who will often accept your conviction and reinstate your no claim bonus up to four years after your policy has expired.

Why does reinstating my bonus matter so much?

We often find we have a number of options for convicted drivers, but what makes a massive difference to the premium is whether we can get your no claims bonus reinstated or not. If you think back how expensive your insurance was when you started out and how long it took for the premium to come down to a normal level, you can see how much a full NCB means to the cost of your insurance

The issue most people have when looking for insurance following a motor insurance conviction is that most insurers will only allow a no claim bonus for up to 2 years after expiry, after that you are back to square one. This is where our unique motor scheme comes in to play. We can allow a no claim bonus up to four years after expiry, which will make a massive difference to the premium.

Will I have to pay an increased premium forever?

Obviously those looking for insurance following a drink driving conviction or similar can expect to pay elevated premiums initially, but we can help to eventually ‘normalise’ your premium in the following ways:

  • By having your no claim bonus reinstated, you are immediatley in a better position at renewal time and more insurers will be available to you.
  • At every renewal date we will shop around (both standard and non standard insurers) for you to help secure the best deal on the available market.
  • We (in most cases) can offer direct debit facilities to balance out the cost of insurance.

If you have had a previous conviction of any kind and need insurance cover, don’t waste your time with other insurers. Contact the experts on 0818919699 for a quotation today or vist our convicted drivers motor insurance page for further details..

Been refused property or home insurance? We can help..

November 15th, 2016

Been refused insurance cover for your property? You’re not alone..

We at Nonstandardinsurance.ie have noticed a marked increase in those contacting us that have been refused property and home insurance cover. Some of the common reasons we see people been refused insurance cover for their home include:

  • An insurer may have revised their acceptance area and have now decided that your property is now outside the area that they want to cover.
  • You may have been unlucky enough to have a number of claims within a number of years and your insurer has decided that they no longer want to take the risk of insuring you.
  • Your circumstances may have changed and your insurer may not now want to offer you cover (a common example of this would be where someone has started a business from home and their home insurer will now not offer cover).
  • When a client (either intentionally or inadvertently) has been deemed by the insurer as not disclosing a material fact and as a result their policy has been cancelled.
  • You have found that your insurer has deemed the area you live in as a flood area.
  • You or someone you live with has a conviction or past history the insurance company do not like.
  • Your home or property has been deemed ‘non standard’.

What can I do if I have been refused home or property insurance?Non standard property insurance

First of all, it is helpful to find out exactly why your insurer is not offering you cover (this is not often obvious when you receive a letter saying they are not offering cover). Under section 4.39 of the Central Banks consumer protection code, you can ask your insurer to state why in writing that they are not offering cover.

Once you have that information, you can start contacting insurers for an alternative. But beware, most Irish based insurers are still quite conservative with their risk acceptance. We at Nonstandard insurance specialise in providing home and property insurance for those that are having difficulty in obtaining it elsewhere. We deal with specialist insurers who will quote in the majority of cases. The below are some tips on how you can make your home more insurable.

Is there anything I can do to make my property more insurable?

We have found that we can obtain terms in the vast majority of cases. Rarely cover will not be offered and that may not be in your control (if your house has had a previous flood for example, you may be able to obtain cover but excluding flood cover), but there are some areas that may help you obtain cover if you have previously been refused:

  • If you have been declined for being in a flood or subsidence area,do some research (www.floods.ie can be helpful for this) and see if your house is in fact in a flood or subsidence area (sometimes insurers flood area’s are too broad and you can argue that your house is in fact not a flood risk). Even if your home is in a flood area, they’re may be factors that will prevent your home from flooding (if your home is on higher ground for example), so this should be all noted to your existing or new insurer.
  • If your policy has been cancelled due to a non disclosure, write a note as to the circumstance of this. Was it inadvertent and an honest mistake that some info was not disclosed? If so, note this to the company. Insurance companies have a complaints procedure which should be followed.
  • If your circumstances has changed (you’ve began working from home for example), contact the company early about this. Explain how this will not increase their risk of covering you if this is the  case. They may try harder to cover you if you volunteer the information, rather than them finding out about it afterwards.

We are specialists in helping those that have been refused property cover and
in the majority of cases we can obtain terms. Contact the experts on 0818919699 for a quotation today or visit our property insurance page for further details or to complete a submission form.

No no claim bonus? No problem..

October 19th, 2016

No no-claim bonus? No problem..

There can be a number of reasons that you can find yourself without a no claim bonus for your motor insurance policy, such as:

  • You have been outside of the country for a number of years and don’t have any proof of driving.
  • You may have had a recent insurance claim or have a claim that is outstanding.
  • You may need a second car in the family and don’t have a no claim bonus built up on it.
  • You may have been driving under a company scheme and don’t have your own no claim bonus built up.
  • You may have had a driving conviction and are only recently going back on the road.

 

Why does not having a no claim bonus make it so difficult to get insurance cover?

Most standard insurers will require you to have a minimum of 2 years no claim bonus before quoting, if you don’t have this it can be very difficult to obtain a quotation in the Irish motor insurance market.

This can be even more difficult for someone that has been off the road for a motoring conviction. The issue most people have when looking for insurance following a motor insurance conviction is that most insurers will only allow a no claim bonus for up to 2 years after expiry, after that you are back to square one. This is where our unique motor scheme comes in to play. We can allow a no claim bonus up to four years after expiry, which will make a massive difference to the premium.

Will the premium be very expensive if I don’t have a no claim bonus?

Obviously those looking for insurance following a drink driving conviction or similar can expect to pay elevated premiums initially as will those without a no claim bonus, but we can help to eventually ‘normalise’ your premium in due course, some of the ways we can help those without a no claim bonus include:

  • Some of our non standard insurers will quote without a no claim bonus and help you build your bonus in the years ahead.
  • Options such as a higher policy excess and direct debit can help reduce and spread the cost.
  • At every renewal date we will shop around (both standard and non standard insurers) for you to help secure the best deal on the available market.
  • We can help reinstate a no claim bonus if you have had one in the past, but have been off the road for more than 2 years (subject to company acceptance)

So if you don’t have a no claim bonus and need insurance cover, don’t waste your time with other insurers. Contact the experts on 0818919699 for a quotation today or visit our motor insurance page  for more details

Motor insurance for Convicted drivers

September 28th, 2016

Insurance for convicted drivers

Everyone makes mistakes. Whilst drink driving should never be condoned, what happens after you have served your time, changed your ways and wish to get insurance?

  • Generally your existing insurer will not quote after a conviction.
  • You can force your existing insurer to quote (which they are obiliged to do, if you follow certain procedures) but expect basic cover and a massive premium if they do.
  • If  you can get someone to quote, chances are they will not allow your previous no claim bonus as it will have expired more than 2 years.
  • Expect very high premiums for a long time whilst the insurer punishes you for having a conviction and no no claim bonus.

There is an easier (and far cheaper!) way then the above however. By contacting nonstandard, we will help you obtained quotes from our non standard insurers, who will often accept your conviction and reinstate your no claim bonus up to four years after your policy has expired.

Why does reinstating my bonus matter so much?

We often find we have a number of options for convicted drivers, but what makes a massive difference to the premium is whether we can get your no claims bonus reinstated or not. If you think back how expensive your insurance was when you started out and how long it took for the premium to come down to a normal level, you can see how much a full NCB means to the cost of your insurance

The issue most people have when looking for insurance following a motor insurance conviction is that most insurers will only allow a no claim bonus for up to 2 years after expiry, after that you are back to square one. This is where our unique motor scheme comes in to play. We can allow a no claim bonus up to four years after expiry, which will make a massive difference to the premium.

Will I have to pay an increased premium forever?

Obviously those looking for insurance following a drink driving conviction or similar can expect to pay elevated premiums initially, but we can help to eventually ‘normalise’ your premium in the following ways:

  • By having your no claim bonus reinstated, you are immediatley in a better position at renewal time and more insurers will be available to you.
  • At every renewal date we will shop around (both standard and non standard insurers) for you to help secure the best deal on the available market.
  • We (in most cases) can offer direct debit facilities to balance out the cost of insurance.

If you have had a previous conviction of any kind and need insurance cover, don’t waste your time with other insurers. Contact the experts on 0818919699 for a quotation today or vist our convicted drivers motor insurance page for further details..

Work from home? Read why your insurance may be invalid..

June 16th, 2016

Work from home? Your home insurance may be invalid..

Most of us that have a home, have some form of home insurance. But like all insurance products, home insurance come’s with terms and conditions attached, with the onus on you to disclose all relevant information to the insurer. One of the area’s that need to be disclosed to your insurer is if you work from home. Whilst some insurers will accept if you are an occasional teleworker (but this still needs to disclosed), practically all will refuse to cover you if you run any sort of business from your home. If you are running any sort of business from home, here’s what  you need to do:

  • Contact us first. If you are running a business from home, contact us first. If you go to your existing insurer and tell them you are operating a business, chances are they will cancel your policy immediately (which will cause a further disclosure issue). We deal with a number of non standard insurers that will cover home workers and will do our best to source cover on the non standard market first and you can then cancel your existing policy.
  • Decide what business you are doing from home. Work out how much work you are doing from home. Do visitors call to your house as part of your business? If so, how many a year? This will impact on who will cover you.
  • Decide what cover you need: As well as your standard home insurance cover (water damage, theft, fire etc.) what cover will you need for your business? Do you need your business equipment covered? Do you require accidental damage cover? Do you require business stock cover?
  • Do you have any employees? If employees work with you from your home then it is important that this is disclosed to your insurer, if an employee gets injured in your premises, you will be responsible.
  • What type of occupations does this apply to?
    • Music Teachers
    • Physiotherapists
    • Chiropractors
    • Holistic Practitioners
    • Dentists and Doctors
    • Tax advisors
    • Accountants
    • Solicitors
    • Cake and Confectionery Makers
    • Pottery Makers
    • Speech Therapists
    • Marketing Consultants – including Digital Marketers
    • E-commerce Consultants

These are all common occupations of home workers, the above list is not exhaustive – but it shows some of the occupations that are in danger of having invalid insurance.

If you are worried that your existing cover maybe invalid, talk to one of our property experts today on 0818919699 or click here and we will help you source the correct cover.

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