Flex - Non Standard home insurance

Much more than just home insurance.


A broker approached us with a case where their client’s home insurance renewal had been refused as they had installed a new build lodge in their garden that they had started letting through Airbnb.

The lodge was 100% timber construction, had a log burner and a hot tub.

Being of timber construction we checked on the fire risk. The condition of the electrics did not cause us any concern since the lodge was brand new. In a scenario where the lodge was not of new build construction, we would have provided cover simply on the basis of an electrical inspection to be carried out within an agreed timeframe.

However due to the increased risk associated with the log burner, we asked about fire protections and the client confirmed they had already installed a range of these, which in turn allowed us to take a favourable view on the premium.

The client also made the point that if the letting of the cabin were a success they would likely start letting their additional outbuilding through Airbnb and other holiday letting sites. They wanted a policy that could accommodate this in the future with no limits on the number of guests or bookings. We were able to confirm this would not be a problem and that the policy would cope with the increase in the number of guests. 

A theft limitation (violent and/or forcible entry or exit) was applied to the lodge only as this was the only part of the home the guests had access to.

The client also disclosed a bankruptcy over 10 years ago due to their business going into voluntary liquidation. No additional terms were applied in this respect.

A few simple questions and we were able to quickly provide a policy which met all of the client's requirements, without erroneous terms or clauses applied.

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.

Harley Lawrence Cert CII
Trading Underwriter

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