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?

So Smart Money are specialists when it comes to mortgage and insurance. We have access to the UK’s leading brokers and using their knowledge and skills they'll place you with the most suitable lender and product for your needs.

Speak to an expert 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

Our trusted brands

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