callbruce
0845 226 0909

What is a non-standard risk?

This is where the underwriter would require more detailed information due to the risk being of a non-standard nature. For example if a property is unoccupied it is at higher risk of vandalism and fire etc.

Other example of Non standard risks are:-

  • Properties with more than 30% flat roofs
  • Listed Properties
  • Properties that have been underpinned
  • Properties of non-standard construction i.e. timber properties, thatch or steel frame.
  • If a number of claims have been made over a short period of time.
  • Holiday Homes
  • Working from home
  • Policy holders occupation

For non-standard quotes, please either contact us on 0845 226 0909 where we will discuss your needs in more detail or alternatively complete in full the submission form giving full details of the risk In addition please do not hesitate to contact us to discuss any queries you might have with regards to the property.

HOME Insurance Submission Form

NB If you are not registered with Call Bruce CLICK HERE for our introducers form

If joint cover is required, please complete both sections.

Broker's Name
BrokerContactNo

General Questions

Proposer

Partner

 

Title: (Mr/Mrs/Miss/Ms/Dr etc.)

 
First Name(s):
 

Surname:

 

Gender:

 
Marital Status:





 

Date Of Birth:

 
Occupation:  

RISK Address:

 

RISK Postal Code:

   
       

Contact Telephone No’s.:

Day:

Mobile:

 

Cover Required :

Property Type:

Detached Semi Terraced Bungalow Flat
No. of Bedrooms:
Date Property Built:
Buildings only:
Sum Insured


Standard Excess only?



If no, specify higher value

Contents only:
Sum Insured
Standard Excess only?



If no, specify higher value

Buildings & Contents:

Sums Insured


Standard Excess only?



If no, specify higher value

Personal Possessions
Sum Insured



(if yes, please specify)
Mortgaged by Whom:
About the Property:  
Are there any signs of damage due to subsidence, shift, landslip or heave?


Is the property located in an area known for flooding?


Are there any trees near your property?


Does anyone other than only you and your family living in the property?


Is the property normally left unoccupied for more than 5 working days per week?


Is the property left empty for more than 30 consecutive days?


Does the Property have a flat roof?


Do you have locks fitted to all your doors and windows?


Do you have any special requirements for the policy


If you have answered yes to any of these questions, please provide full details. Please also provide us with details of the locks in the property.
Are you a member of a neighbour hood watch scheme?


Are you a first time buyer?


State construction details (i.e. brick/tile, stone/slate etc.)of property
About You  
Have you ever been refused insurance or had any special terms or restrictions imposed at this or any other home?


Have you suffered any losses or claims in the last 5 years on either section of your policy?


Have you ever been convicted or have any prosecutions pending (other than motor)


Have you ever been made bankrupt or have any hearings pending?


If you have answered yes to any of these questions, please provide full details
Your Current Insurance (please complete where appropriate)
What NCD do you have on Buildings? What NCD do you have on Contents?
Who is your current Insurer? What start date do you require?

All material facts must be disclosed. Failure to do so may invalidate the policy. Should you require further information on a particular policy please contact callbruce immediately on 0845 226 0909. We reserve the right to contact your previous insurer to confirm your insurance history. The premium indication given from this submission form is valid for 30 days.

Members of B.I.B.A

Authorised and regulated by the Financial Services Authority
A UNITAS Broker