Acceptance Criteria

Acceptance Criteria

If you can agree with the statements below, we can normally offer you our Specialist Home Insurance online.

Your home

• is normally occupied at night and is not left unoccupied for more than 60 consecutive days.
• is in a good state of repair.
• is compliant with our minimum security requirements including:
  • 5 lever mortice deadlocks on all external doors.
  • top and bottom locks or multiple locks on patio doors and French windows.
  • window locks on all accessible windows.
  • or you agree to install the above within 30 days of your policy start date.

You or anyone living with you

• have never been declared bankrupt, or have been subject to bankruptcy proceedings.
• have not been cautioned or convicted for any offence other than a motoring offence, or have any prosecutions pending (any convictions spent under the Rehabilitation of Offenders Act need not be disclosed).
• currently holds an existing home insurance policy for all the items you wish to insure.
• have not been refused insurance, had a policy withdrawn or had special terms applied by an insurer.
• are not employed in the following trades or industries: bookmaker, night club employee, casino employee, body guard, street trader, market trader, scrap merchant, pawnbroker, money lenders, circus employee, fairground worker, amusement arcade worker, turf accountant, airline employee, shipping, oil and gas rig worker, antique and coin dealer, framer and jeweller, artist, journalist, professional entertainer and sportspeople, motor trade, property developer, haulage contractor.

If you cannot agree to the above statements, we may still be able to offer you a quote. Please call us on 0800 916 6880 and one of our trained underwriters will be able to help you.