Flex - Non Standard home insurance
Flex is a policy designed for non standard home insurance risks, available in the UK.
It is there to provide a solution for those finding it difficult to insure their home and possessions.
Based on the Lloyd's of London approved home insurance wording with a range of cover enhancements, it caters for a wide range of non standard risks, such as:
- Non standard construction
- Non standard occupations
- Convictions
- Subsidence history / underpinned properties
- Irregular occupancy
- Bankruptcy
- Declined, refused or cancelled insurance
- Adverse claims history
- Flood risk
- Unoccupied homes
Cover provided for:
- Buildings
- Contents
- Valuables and Personal Possessions
- Pedal Cycles (away from the home)
- Money & Credit Cards
- Freezer contents
- Accidents to Domestic Employee(s)
- Legal Liability to the Public
Quote request
Already an existing Plum broker? Click the button to begin your quote request online.
Get a quote
Finding it difficult to obtain home insurance? Flex is the answer.
Five good reasons to choose Flex:
Service - Plum has been voted an Insurance Times ‘Top 5’ personal lines insurer by brokers in 2016 and 2017. Our experienced, accessible underwriting team is at hand to assist you as required.
Cover - Flex is a Lloyd's of London approved home insurance policy with several cover enhancements. You can choose Flex for your clients with confidence.
Flexibility - Our experienced underwriters are able to offer terms on a whole range of non standard risks that other insurers are unable to help with.
Security - Underwriting capacity for Flex is provided by Lloyd's of London, the world’s leading insurance market. For financial strength, Lloyd’s is rated A (Excellent), A+ (Strong) and A+ (strong), by A.M. Best, Fitch Ratings and Standard & Poor's respectively.
Expertise - Plum has been providing specialist home insurance products to brokers for over a decade. Flex is further evidence of our strong commitment to backing brokers.
Cover is provided on a "standard perils" basis, on a policy wording based on the Lloyd's of London approved home insurance policy.
The following limits are provided automatically unless a higher limit is requested. For a full list of all the covers available, please refer to the policy wording.
Buildings
| Cover | Limit (£) |
|---|---|
| Accidental Damage | Optional |
| Garden, plants and shrubs | 2,500 |
| Trace and access | 5,000 |
| Loss of Rent | 25% of buildings / 24 months |
| Alternative accommodation | 25% of buildings / 24 months |
Contents
| Cover | Limit (£) |
|---|---|
| Accidental Damage/Loss | Optional |
| Contents of outbuildings | 5,000 |
| Contents in the open | 1,000 |
| Home business contents | 5,000 |
| Money/credit cards | 1,000 |
| Pedal cycles (at the home) | 750 |
| Replacement locks | 5,000 |
| Loss of metered water/oil | 5,000 |
| Seasonal increases | 5,000 |
| Electronic data | 2,500 |
Valuables and Personal Possessions
| Cover | Limit (£) |
|---|---|
| Accidental Damage/Loss | Optional |
| Valuables and personal possessions | 33.3% of the contents sum insured (with a 10% Single Article Limit) other than pictures and paintings which are covered up to the total contents sum insured |
Liability
| Cover | Limit (£) |
|---|---|
| Accidents to Domestic Employee(s) | 10,000,000 |
| Legal Liability to the Public | 5,000,000 |
A fair, efficient, customer friendly claims service.
We know that when a policyholder makes a claim on their policy the quality and speed of response of our claims service are the keys to maintaining customer satisfaction.
We pride ourselves on delivering a top quality claims service for our supporting brokers and their clients, looking to settle claims fairly, efficiently and consistently.
In safe hands
We understand that, in addition to being the face of our company, our appointed claims handlers and loss adjusters are representing your businesses too and therefore, we have strict controls in place throughout the claims process to help ensure your clients receive a high standard of service.
Feedback
As with every facet of our service, we are constantly seeking improvements. If you have any feedback concerning our service in this, or any other area, please click here.