When other providers say 'no', ask us
The Non-Standard Risk opportunity for brokers
Home Integrity is the home insurance solution for customers who are struggling to find cover for their home and possessions.
It covers a huge number of non-standard criteria such as properties at risk of flood or subsidence and customers with adverse claims history or criminal convictions, allowing the majority of submissions that other insurers may decline, to be considered.
By providing a solution for your ‘not so perfect’ clients, you can continue to offer customers the service they deserve and prevent them having to take their business elsewhere - potentially pushing them into the arms of another mortgage broker who will offer them more than just an insurance quote?!
Non-standard business is fast and easy to submit, and will earn you a generous commission for your trouble – up to 22.5% in the first year, then 17.5% for every year your customer renews. Not bad earning for 2 minutes work!
Customers now have the opportunity to spread the payment of the annual premium for their non-standard cover across ten equal monthly instalments. The team dealing with non-standard home insurance will explain the payment plan over the phone when the customer receives their quote for the cover.*
Please note this option to spread payments over 10 equal instalments is currently only available on annual premium non-standard risk products.
*Terms and conditions apply. The cost of spreading payment across 10 equal instalments is 10% of the annual premium less a small deposit, which will be added to the balance (23.86% APR).
Product Highlights
- The ideal solution for your customers with flood risk properties, subsidence history, adverse claims, criminal convictions or bankruptcy, non standard construction, non standard and hard to cover occupations or irregular occupancy
- Underwritten by Plum
- No limit on the number of bedrooms
- No upper limit on the Buildings and Contents Sum Insured amount
- Optional Accidental Damage and Personal Possessions cover
- Handled on a case by case basis to ensure your client gets a fair deal and the right cover levels to suit their needs
The Home Integrity product is provided to Select & Protect by Plus One Administration Services Limited who are authorised and regulated by the Financial Services Authority No. 511509. Plus One Administration Services Limited is an intermediary dealing with policy administration including premium collection, Registered in England No. 06608072.
