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Home insurance with adverse claims history for members

Get 20% discount as a Wesleyan member

Cover that doesn’t discriminate 

If you have an adverse claims history, you might be turned away from standard home insurers. Whether you’ve made multiple claims in the past few years or you had to claim for a big event like theft, we don’t believe you should be discriminated against. At Wesleyan Financial Services, we’re here to help you find cover for your home.

  • Exclusive discount for Wesleyan members
  • Buildings and contents cover
  • UK based 24/7 claims helpline
  • Tailor your cover from a selected panel of insurers
  • Enhance your policy with Total Home Protection (charges apply)

How it works

Has your current insurer refused to renew your policy? Have your premiums increased on the back of multiple claims? If your claims history has made it difficult for you to get standard home insurance, we’re here to help.

We work with a panel of providers that understand the situation you’re in. Once you’ve shared your claims history with the team, we’ll go back to our panel to see if we can find you cover. And as a Wesleyan member, you can get a 20% discount on your policy.

What’s covered?

You can tailor your policy to suit the level of protection you need for your home. Your policy can include:

Loss or damage

Cover if your home is broken into and your possessions are stolen, or your buildings or items are damaged by natural events like fires, storms or floods.

Personal belongings

Whether you’re at home or away, your belongings are protected.

Alternative accommodation

You're protected if your home isn't fit to live in following an insured event (like a fire or a flood). Get alternative accommodation for you, your family and your pets.

Garden cover

For those with green fingers – you’re insured on your sheds, plants and equipment.

Trace and access cover

With trace and access cover, you’re not just covered for the cost of repairing a water or oil leak, but also any damage caused when tracing the source of the leak.

Damage to additional items

Get cover for items some insurers forget, like damaged solar panels, sanitary ware, cables and domestic and underground pipes.

What’s not covered?

Unfortunately, your policy will not cover you for:

Loss or damage on an unoccupied home - Depending on your chosen policy, your buildings or contents can’t be covered if you’re away for more than 30, 45 or 60 days in a row.

Certain damages - Such as damage caused by wear and tear, vermin and insects, fungus, damp, light, wet or dry rot.

Contractors working on the premises - Cover doesn’t include damage to your property or liability arising from any major works being carried out. For this type of cover, you might need renovation insurance.

Enhance your cover

For extra peace of mind, you can add the Total Home Protection package to your policy. For an additional fee, you'll get cover including: 

Home emergency assistance

A network of registered tradespeople will be on-hand 24/7 to help with burst pipes, lack of heating or no hot water.

Family legal expenses

Get protection against disputes such as employment issues and neighbour problems, up to a limit of £50,000.

Key cover

Misplaced your keys or have a broken lock? The costs of a replacement or repair will be covered to save you paying an excess or losing your no claims bonus. Your car keys can be covered too.

ID theft

There’s only one ‘you’, so let’s keep it that way. If your identity is stolen, you'll get a personal action plan to get it back.

Important information

Limits, exclusions and charges do apply. Full terms and conditions of the policy and cover, including the policy benefits and exclusions, will be contained in the Policy Wording and Policy Summary. Risk must be acceptable to underwriters at normal terms.

Wesleyan Financial Services is a broker and our insurance products are provided by a number of insurers.

Total Home Protection is arranged and managed by Legal Protection Group Limited.