eFlex - Non Standard Home (EDI)

eFlex is an EDI policy designed for non standard home insurance risks, available in the UK via insurance software houses.

It is there to provide a solution for those finding it difficult to insure their home and possessions.


eFlex is built using Insurer Hosted Pricing technology and caters for a wide range of non standard risks, such as:

  • Unoccupied homes
  • Holiday Homes – including those that are commercially let (e.g. Airbnb)
  • Criminal convictions
  • Homes with paying guests – Including Bed & Breakfast
  • Businesses from home
  • Poor claims experience 

Cover provided for:

  • Buildings
  • Contents
  • Valuables and Personal Possessions
  • Pedal Cycles
  • Money & Credit Cards
  • Domestic Freezer contents
  • Accidents to Domestic Employees (£5m)
  • Legal Liability to the Public (£2m)

Policy Documents

View and download the eFlex product summary, IPID and policy wording here


Here at Plum we’re committed to supporting UK brokers by providing products that meet the needs of your clients and retain profitable business. eFlex is an important part of our delivering on that commitment.

Like all our specialist home insurance products, eFlex is backed by our highly experienced and accessible team of underwriters who individually underwrite each risk supporting our responsive, top quality service.

When you choose eFlex, you can be confident that you are providing your clients with the protection for their homes.

Reasons to choose eFlex:

Service - Brokers consistently rate us as one of the highest performing MGAs for underwriting and claims service in the Insurance Times MGA and eTrading Surveys. In addition, our experienced and accessible underwriting team is on hand to assist you as required.

Cover - eFlex is based on a Lloyd's of London approved home insurance policy. You can choose eFlex 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 eFlex is provided by Zurich Insurance plc. For financial strength, Zurich is rated AA- (Positive) and A+ (Stable) for by S&P and A.M. Best respectively.

Expertise - Plum has been providing specialist home insurance products to UK brokers for over a decade. eFlex 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 to fixtures & fittings / services Included
Garden, plants and shrubs 1,000 (250 any one plant/tree/shrub)
Trace and access 5,000
Loss of Rent / Alternative Accommodation 20% of buildings / 12 months
Replacement Locks 2,500


Cover Limit (£)
Accidental Damage to electronic equipment Included
Temporary removal of contents 10,000
Alternative Accommodation 20% of contents / 12 months
Home business contents 5,000
Students / boarders possessions 5,000
Pedal cycles 500
Replacement locks 2,500
Loss of metered water/oil 1,000
Temporary increases 2,500 (500 single article limit)
Reinstating data 2,500

Valuables and Personal Possessions

Cover Limit (£)
Accidental Damage/Loss Optional
Valuables in the private dwelling 33.3% of the contents or 10% of the contents for any single item


Cover Limit (£)
Accidents to Domestic Staff 5,000,000
Legal Liability to the Public 2,000,000

*Please note that this summary is not intended as a full list of our policy conditions and exclusions. For full terms, conditions, exclusions and limitations please refer to the eFlex policy wording.

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