Non-Standard Risks

For those not so easy to place risks

Submit a Non-Standard Referral Contact us

Specialist underwriting

Where Cavere do not offer a product as standard or where our products do not provide the cover you are looking for you can refer a customer to us for specialist underwriting. If Cavere cannot offer the cover internally through our existing binding authorities then we have partners we can refer your customer to which will still allow you to earn commission through your agency with us.

Non-Standard Home Insurance

Each one of our non-standard insurers has a specific product strength, so we can cover most scenarios which most mainstream insurers would shy away from.

Referral Process

Our standard products will cover many areas which were traditionally classified as non-standard, like flood for example. We can now cover flood risks as standard utilising the Flood Re scheme. If our standard products decline a risk you will be automatically given the option to refer the case to our non-standard team. Submitting referrals this way will ensure your agency details are captured correctly and any cases mapped through our system and normal commission processes. Alternatively if you are certain the risk is Non-standard you can refer the customer by simply completing the referral form on this page.

When you have completed the referral form and submitted you will receive an acknowledgement from us. We will contact you when we have made contact with the customer to let you know if we have managed to place the customer on risk or not.

Our non-standard offerings include:

Where insurance has been refused/declined/cancelled

Criminal convictions

IVAs, CCJs or Bankruptcy

Previous subsidence and underpinning

Building work, both in-progress or planned

Unoccupied Cover, from one-off holidays to fully vacant

Holiday Homes

Thatched Roofs