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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.

Why you need motor trade insurance

January 29th, 2016

Motor trade insurance, what is it and why do you need it?

Motor trade insurance is a specialist insurance policy, that will give you the ability to drive all of your own cars & vans as well as your customer vehicles (this is called a road risk policy). Additional covers such as public liability, internal risks (covers vehicles parked in a compound) and carriers liability (covers a recovery agent from loss of a clients vehicle) can be included as needed. So who needs motor trade insurance and how do you get the best cover?

  1. Selling vehicles part time or full time:If you are buying or selling vehicles part time or full time, you need a motor trade policy. Some buyers will try and use their private car or van policy to cover them to pick up a car they are buying. Using the DOC extension of your private or CV policy to cover you is fraught with danger. The cover is basic (third party) and many insurers will exclude use with the motor trade.
  2. Repairing, servicing or cleaning vehicles. Repairing or servicing a vehicle without the proper motor trade policy is exposing you to a major financial loss. Moving a vehicle without insurance or repairing a vehicle that subsequently is involved in an accident because of your repair can have catastrophic consequences.
  3. Recovery vehicles We are often shocked at the amount of recovery agents (those that pick up vehicles after a breakdown for example) that have basic commercial vehicle cover. Recovery vehicles need motor trade insurance and often require additional cover for the vehicles that are towed (which we can provide).
  4. Talk to motor trade insurance professionals. Motor trade insurance is a complicated area. There are a number of providers on the market, all offering different type of cover and all have different policy wordings. We at Non standard and Power Insurances are specialists in this area and have been for over 25 years. We will go through your details and find the correct solution for you from all of the available providers. We will explain the cover involve and review it as your business grows.

So log on to our Motor trade department page today or call us on 0818 919699 and we will do all we can to help.

Why your home insurance may be invalid..

November 27th, 2015

Why your home insurance may be invalid..

We all sign up for insurance products hoping they will provide peace of mind and expecting the cover to be there when we need it. But like all insurance products, house insurance come’s with terms and conditions attached, with the onus on you to disclose all relevant information to the insurer. Because of that, what can seem like a relatively minor non disclosure can invalidate your insurance. Here are some common ways we have found that people have invalidated their insurance.

  1. Not disclosed that they have a flat roof in their home: Most insurer’s will allow you to have up to maybe 15 or 20 % of your overall roof area as flat or non standard roof. If you go above that however and haven’t disclosed it to your insurer, you could be in serious trouble at claim time.
  2. An accidental non disclosure. You have had a minor claim some years back on a different property to your existing home, so you don’t have any need to disclose that to your new insurer. Right? Wrong. Any home insurer will expect to have been told about any claim in any property withing the last 6 years (including a business premises). Failure to do so will probably mean your cover is invalid.
  3. Having a non motoring convictions: If, for example, you were given a slap on the wrist 10 years ago for smoking marijuana at a music festival, this has to be disclosed to your home insurer. If it hasn’t then you probably don’t have any cover.
  4. Running a business from your home If you are operating anything other than a basic one person home office from your home than your insurer needs to know about it. Standard insurers are usually very slow to cover those that run business’ from or near their main properties. If you haven’t already agreed this with insurer than you probably don’t have any cover.
  5. Not disclosed the proper occupancy of your home. Most standard insurers will expect your home to be occupied regularly by you and your family. If your home is rented out to someone else or is unoccupied for more than 30 days, this needs to be disclosed to your insurer. Landlord and unoccupied premises need to be insured under a specialist policy. You will not be covered if you have a standard house policy and your home is rented or unoccupied.
  6. You had a gap in cover but didn’t disclose it. Home insurer’s expect you to have had continuous home insurance cover (obviously if you have just bought a house this isn’t the case). If you have taken out a policy after a significant gap in time since your last policy, this needs to be disclosed and will probably invalidate your policy if not.

The above list is not exhaustive but it shows how careful you need to be when taking out home 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.

What to do when you cannot get motor insurance..

November 9th, 2015

What to do when you cannot get motor insurance..

At any stage during your driving lifetime, you can find yourself shut out of the standard motor insurance market. It is not just those with driving convictions that can find it difficult to obtain motor insurance. You may have been unlucky to have a number of insurance claims, you may have changed your occupation or decided to buy a vehicle that standard insurers do not want.

So what can you do? Here are our top tips for getting motor insurance when you have been declined elsewhere:

  1. Start shopping around: If you are insured with an insurance company directly, you are not giving yourself the best opportunity for cover. Use a broker or contact as many insurers as possible for a quotation. One size does not fit all when it comes to motor insurance.
  2. Contact a specialist insurer. Contact nonstandard.ie (well, we would say that wouldn’t we!). We deal with specialist insurers that are comfortable taking on risks that are normally declined on the standard market.
  3. Know your rights. If you have had motor insurance previously and you are now been refused cover, you may be able to force your previous insurers hand. Follow the companies complaints procedure and if they still do not quote contact Insurance Ireland (formerly the Insurance federation of Ireland) who will help you to obtain a quotation from that company (what the premium will be might be a different story..)
  4. Make yourself a better risk If you have obtained a quotation but it is still very expensive, look at ways to make yourself more appealing to insurers. Do you have a provisional licence? Consider sitting the test. Is your vehicle over 20 years old? Consider a newer vehicle.

If you’re still not having any luck getting insurance, contact our motor dept today on 0818919699 and we will do all we can to get you on the road.

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