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.

Please select the type of insurance

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.

Get your quote

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.

Get your quote

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.

Get your quote

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.

trust pilot

"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."


Winner of AI Finance awards 2015 for:
Best personal finance comparison site &
Best online price comparison platform

How it works

step 1 step 2 step 3

Our trusted brands

view more
o2.jpg BBS.gif BCH.gif amigo.gif capitalone.gif sky.jpg BNT.gif
clydesdale_bank.jpg BOI.gif scottish_building_society.jpg ipswich_building_society.jpg BWO.gif ACC.gif sse.jpg SBS.gif capitalone.gif axa.jpg BHX.gif VBS.gif BMO.gif americanexpress.jpg NAP.gif BBS.gif securetrust.gif BHI.gif sky.jpg POS.gif TSB.gif BAA.gif MET.gif FID.gif fluid.jpg the_mansfield_building_society.jpg HSB.gif HEC.gif npower.gif healthonline.jpg vanquis.jpg plusnet.jpg tesco.jpg bath_building_society.jpg lv.gif fidelity.gif progressive_building_society.jpg rsa.jpg BLH.gif YBS.gif saga.jpg sainsburys.gif LEE.gif bt.jpg BNW.gif WBB.gif uk-general.jpg TIP.gif market_harborough_building_society.jpg ovo_energy.jpg amigo.gif BNT.gif ULS.gif TBS.gif carloans4u.jpg o2.jpg BBV.gif aegon.gif RBS.gif BME.gif eon.gif CAN.gif m&s.gif BFU.gif BCH.gif BPR.gif barclaycard.gif virgin.gif NBS.gif aqua.jpg scottish_power.jpg BSA.gif chorley_building_society.jpg BNR.gif CTE.gif FAM.gif BNC.gif CTS.gif BDA.gif CLY.gif CNW.gif CAM.gif BLF.gif ageas.jpg fundingcircle.gif TCO.gif zopa.jpg
  • How do SoSmart Money make their money?
  • Which products can I compare with SoSmart Money?
  • Who are SoSmart Money?
  • Will I be contacted by other companies?

latest news View All News

Sign up to our newsletter