How to find the best insurance for an underpinned property

cracked wall and subsidence If you own an underpinned property, you’ll know just how difficult it can be finding affordable insurance. Subsidence claims have a nasty habit of coming back to bite homeowners, and insurers charge higher premiums to reflect the risk. However, with expert help from Quoteline Direct, we can bring your premiums back down to earth. Here’s why we are streets ahead of the competition:

Specialised Insurance Broker Properties with a history of subsidence send shivers down the spines of most home insurance providers and they can’t get away quick enough. However, at Quoteline Direct we like to do things differently and we’ve put together a panel of providers who specialise in insuring underpinned properties.

Tailored Insurance Quotes By treating all our customers as individuals we can carefully tailor cover to fit your individual needs, which means you’ll get a bespoke policy at the best price.

Compare Subsidence Cover While modern technology makes our lives easier in endless ways, it’s sometimes hard to beat the human touch. One area where brain power still beats computing power is when it comes to finding the best insurance for a property that has previously been underpinned. Subsidence can be complicated, and it simply isn’t possible to compare cover online. However, that doesn’t mean you can’t compare policies, you’ve just got to ask the right people for help.

Access to Bigger Markets Most insurers flatly refuse to offer cover at any mention of ‘subsidence’ or ‘underpinning’, but it’s a short-sighted approach and doesn’t reflect how the market has evolved. In fact, we’ve got access to several providers who can offer standard underwriting criteria for properties which haven’t been affected by subsidence for the past 10 years. On a practical level it means that, provided you have the paperwork to prove the problem has been rectified and the site is stable, you can get competitive cover without loaded premiums or excessive excess.

Additional Risks Covered Finding sensibly-priced insurance for an underpinned property can be a real headache and the pain gets worse if there are any other unusual aspects of your property. Specialist subsidence providers often can’t cover additional risks, which could be anything from non-standard construction (such as flat or thatched roofs) to ‘non-standard’ usage (such as unoccupied properties or holiday homes). As a leading insurance broker with rock-solid industry foundations, we can cover more risks than most.

Quick Quotes & Instant Cover Getting a quote for a house with a history of subsidence takes time, but as a trusted partner we can speed up the process by underwriting policies on behalf of our providers. So rather than having your details emailed to sit in another insurer’s inbox, we can cut out the middleman and deliver quicker quotes and sometimes arrange immediate cover over the phone.

To find out more about insuring an underpinned property visit our subsidence insurance page or Tel: 0161 874 4171 to speak with a member of our property team.


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