A revolutionary and award-winning new home insurance service has been launched – the first to offer immediate, online cover to people, no matter what their circumstances.
homeprotect (www.homeprotect.co.uk) is the first insurance provider to cater online for people typically shunned by mainstream rivals – estimated to be 15% of the overall home insurance market. This includes owners of the 4m UK homes at risk of subsidence, the 2m homes situated in flood plains, 2.8m people working from home and a further 8m people carrying criminal convictions. These are all people the insurance industry has historically classified as ‘non standard2’ and is therefore unwilling to cover, either because the risk is deemed too high or complex or because their technology platforms do not cater for people outside the ‘ordinary’.
“Most insurance providers focus on the 85% of the public who are relatively uncomplicated, and they have no interest in people whose circumstances fall outside the ordinary,” said homeprotect chief executive David Walker. “Well, people with unusual or unique circumstances no longer have to accept that getting their home insurance sorted is going to be a lengthy and frustrating process. With our unique homeprotect service there is no need to ring around to find a specialist broker and then wait days for an insurer to review their circumstances and offer a price. Through technology we have built a system which can offer all customers a quote, no matter what their circumstances, and enable them to obtain immediate cover – either online or over the phone.”
The homeprotect service is now being launched to the broader public following a successful pilot which demonstrated the ease and convenience with which people with unique or unusual circumstances could obtain home insurance cover.
This included the following six satisfied customers:
1. Peter, Shropshire. Turned to homeprotect after being refused insurance because he lived near a river: “I was given no explanation as to why they refused to insure me. Out of 64 companies, homeprotect was the only insurer which would cover my property.”
2. Ms J, Yorkshire. Refused home and contents cover by other insurers because her house is sometimes empty for more than six weeks. “homeprotect’s speedy and efficient service not only provided us with the cover we needed but gave us the reassurance that we could travel to our hearts’ content and still be covered.”
3. Miss R, south-west. Denied home insurance contents renewal, even though she had never made a claim, as she had failed to declare a conviction. “Not knowing the criminal system I was not aware I needed to alert the insurer and was certainly not trying to deceive the system. I felt ashamed but staff at homeprotect treated me fairly and respectfully.”
4. Derek, Aberdeen. Sought reduced premium costs after taking steps to strengthen his home against possible subsidence. “I wanted insurance tailored to my needs as a responsible homeowner and homeprotect delivered.”
5. Jackie, Hull. Property affected by floods in 2007. “homeprotect called me and offered me an instant quote which came in significantly cheaper and were one of the only companies which would cover my property.”
6. Jas, Berkshire. Turned to homeprotect after converting two adjacent properties into one. His previous insurers insisted upon underwriting them as two separate risks. “homeprotect offered me a fast easy and competitive rate which I could not refuse.”
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Homeprotect are expensive and hard to deal form a lot cheaper with Equity & General for my flooded property in Cumbria the excess for flood was only £2500 everyone else wanted £5000 or a lot more call them on 0844 2578231 I dealt with Dave Burn.