Flex - Non Standard home insurance

When there are multiple reasons to say no, we have multiple reasons to say yes.


A broker recently approached us with a home insurance case which had several issues to consider. 

Their client had an unspent conviction for assault in the mid 90's, 3 claims (all for escape of water), a grade listed wattle and daub building and a health/beauty business run from home with frequent visitors.

We looked at this case in its component parts.

We were able to accommodate the conviction term free, given the time that had passed and the client's age at the time of the incident. 

The multiple escape of water claims were initially addressed with an exclusion for escape of water, however, following our recommendation to install a water leak detection device we offered cover with an increased excess.

As the client's home was Grade 1 listed and of non standard construction, following confirmation of the condition of the electrics and the type of heating installed, we were able to provide cover with no additional restrictions.

The business use aspect was addressed with a theft restriction (violent and/or forcible entry or exit), property owners liability remained in force from our side and the client having their own insurances in place meant we did not apply any physical exclusions via endorsement.

This case is a great example of how we deal with each consideration specifically and individually - rather than take a broad brush approach, normally resulting in a decline for most insurers. We really can help. 

Talk to us

If you have clients struggling to get a sensible home insurance quote, give us a call on 0345 130 0802 or email underwriting@plum-underwriting.com to see if we can assist - it's likely we can.

Reece Birch Cert CII
Regional Trading Manager (Central) 

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.


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


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 750 (500 credit cards)
Pedal cycles (at the home) 500
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


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.


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