When you’re buying an insurance policy, finding the right insurer is the key to getting good value. Although the cost of your policy is important, the level of coverage you can obtain should be your first priority.
While there are hundreds of insurance companies to choose from, what do you do if you can’t find one that will cover you? If you’re having trouble finding an insurer, there are specialist firms that offer the cover you need for a range of niche situations, including…
Non-standard Home
When you’re looking for home insurance, a non-standard construction could leave you desperately searching for an insurance company that will cover your property. Standard construction dictates that buildings are made with stone or brick walls and tile or slate roofs. Anything outside of this could make it difficult to get home or contents insurance.
If you have a thatched roof, steel or timber frames or floor-to-ceiling glass windows, you’re going to need a specialist policy. Fortunately, there are insurance firms that offer bespoke non-standard construction home policies, so you’ll still be able to protect your property.
Drink Driving
If you’ve been convicted of a drink driving offence or you’ve got points on your licence after driving over the limit, you might find it hard to renew your car insurance policy. All insurers will ask whether you have any endorsements on your licence before offering you a policy, and many ask about drink driving in particular.
As you’ll need to disclose the information, you may find that an insurance company will be unable to offer you a policy. Alternatively, you might find that a standard insurer will offer you a much higher premium.
With a specialist insurance company, however, you should be able to find much more competitive drink driving insurance. Whether you rely on your vehicle to get to and from work, you drive as part of your job or you use your car sporadically, retaining your ability to drive is crucial. With a specialist policy, you can be sure that you’ll be able to insure your vehicle without breaking the bank.
Poor Health
If you’ve been seriously unwell, you may find it difficult to get critical illness cover, life insurance and private medical insurance. In addition to this, travel insurance from a standard provider may be more expensive than usual.
By contacting a specialist insurance company, however, you can find a policy which suits your needs. No matter what your situation, niche insurance firms are able to offer custom policies and bespoke packages.
Getting the Insurance Policy You Need
There are numerous situations which can give rise to insurance issues, so using a specialist insurer isn’t as uncommon as you might think. Rather than paying high prices to a standard insurer, why not explore specialist options first?
While there are some insurance companies that offer super-cheap policies, these don’t always meet the hype. Instead, you’ll need a budget-friendly insurer that offers a decent level of coverage. With a specialist insurance policy for a niche provider, you’ll find cost-effective premiums and a great range of policy options.