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How Past Claims Can Affect Your Home Insurance

Compare how past claims can affect your Home Insurance cover online. Get a quote today and see how much you could save.

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01244 950 304


Need home insurance but had claims in the past? Having a history of insurance claims shouldn't stop you from protecting yourself and your home, but it may make it a little more difficult.

A history of claiming on your home insurance in the past 5 years may affect your premiums when applying for future coverage. You may be required to have a higher premium or excess due to past claims, even if it wasn't you that made the claim but the previous house owner you may find it difficult to find an insurance provider.

Check out our comparisons to find the best non standard home insurance for you.

Cover your contents

Home insurance will cover you for your belongings within your home up to a certain value.  You can also get extra protection for valuable items or items that you take out of your home.

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Protect your property

In case of serious damage to your property, buildings insurance will protect you should you need to cover the cost of rebuilding your entire home.

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Tailor your insurance cover

Standard home insurance policies may not cover all eventualities - however you can tailor your insurance to add extra cover, such as high value items or accidental damage cover.

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How can we help you?

SoSmart Money are specialists when it comes to mortgage and insurance advice. Our trained expert advisers have access to the UK’s leading lenders and using their knowledge and skills will place you with the most suitable lender and product for your needs.

Speak to one of our experts for mortgage advice, life insurance cover, to protect your income, insurance your home or contents and private medical cover.

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"Matthew at So Smart found me the best deal for my first Mortgage, he was extremely helpful! I would highly recommend this company!"

"I've been looking to switch mortgages recently to secure a better rate and the guys at So Smart Money helped me do just that."

"My mortgage enquiry was dealt with swiftly and professionally. I would highly recommend So Smart Money to others."

"I've used sosmartmoney a couple of times now, I checked my old mortgage with them and it encouraged me to get a better deal."


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