Non Standard home insurance
Please click any of the frequently asked questions below to reveal the answer.
Flex is a policy designed for non-standard home insurance risks, based on the Lloyd's of London approved home insurance wording. It is there to provide a solution when standard home insurers are saying 'no'.
Heres 5 good reasons:
Service - Plum has been voted an Insurance Times ‘Top 10’ personal lines insurer by brokers in 2010, 2011, 2012 and 2013. 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.
Price - We’ve ensured that Flex is competitively priced so that a quote from Plum will not only assist you in retaining existing clients but help you win profitable new business too.
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.
Reputation - Plum has been providing specialist home insurance products to UK brokers for over a decade. Flex is further evidence of our strong commitment to backing UK brokers.
Minimum £10,000 / €10,000 for contents and £75,000 / €75,000 for buildings. There are no fixed maximums, these are considered on a case-by-case basis.
Only if the sums insured and postcode warrant it, the appropriate security will be requested. However we will not usually apply a warranty to state the security must be in force when the property is unattended unless we feel there is a higher than usual risk to the property.
Yes, Flex is there to provide a quote where all other insurers are saying no.
Yes, if you request valuables and personal possessions cover away from the home, they will be covered for up to 60 days at a time.
All businesses whether clerical based or not can be considered under Flex.
Our underwriting capacity is provided by Lloyd's of London, the worlds leading insurance market, rated A (Excellent), A+ (Strong) and A+ (Strong) for financial strength, by A.M. Best, Fitch Ratings and Standard & Poor’s respectively.
The Flex policy wording is based on the Lloyd's of London approved home insurance wording, with several cover enhanncements.
The underwriting capacity for Flex is provided by certain underwriters at Lloyd’s of London, the worlds leading insurance market, rated A (Excellent), A+ (Strong) and A+ (Strong) for financial strength, by A.M. Best, Fitch Ratings and Standard & Poor’s respectively.
No, you will automatically be given access to Flex under your existing Plum agency.
Quotations will be submitted through the Broker Centre. Simply login as usual and go to the NEW QUOTE tab.
No, Flex is openly available to all brokers without the need to commit to a GWP target.
Please contact the agency department by emailing firstname.lastname@example.org and this will be switched on for you.
Unfortunately, thatched is the only roof construction for which we do not provide a quotation.
Ye, we provide quotes to include lodgers of all ages and professions.
Unfortunately we cannot provide cover for commercial properties themselves, but will consider cover for residential properties above commercial premises, e.g. a flat above a shop.
We aim to issue all renewal quotations between 4 and 5 weeks before the renewal date is due.
We always want to understand each risk we see so we can give you the best possible terms, so for some high risk areas we may want any (or all) of the following: