Who is the best Non Traditional home insurance provider?  

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RobD
 RobD
(@robd)
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16/11/2018 6:21 pm  

It’s strange you mention  RIAS Insurance, they had sent me a very reasonable quote about a week ago (they must have me on their data base, as I didn’t ask for it). When I called them to follow up, it transpired they too don’t insure BISF type houses. For the record, our house is in the Watford area…is this a deterrent!!

Regards

Rob


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salbar26
(@salbar26)
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19/11/2018 3:54 pm  

I’d be very happy with £111 but when I tried with RIAS it said they couldn’t offer me a quote at all. Would you have any idea why?

On comparison websites the quotes are coming in at around £250 which seems very high. 


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Kay
 Kay
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20/11/2018 2:00 pm  

We used Nationwide – if you tell them the house is non standard they are just interested in what the walls and roof are made of (or mainly made of). 

With the caveat that we are in a Trusteel bungalow rather than a BISF house, our quote came to around £20 p/m. 


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John Holmes
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26/11/2018 6:26 pm  

I am insured with RIAS which I done through moneysupermarket, it did not ask what type of property it only asked what the walls are made of which I selected prefabricated non flammable. I never gave it a thought until I have seen this post. I have now phoned RIAS but the underwriters where closed so will call back tomorrow. I will let you know if they will or won’t insure these types of property and if not their reasons why. 


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salbar26
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28/11/2018 6:12 pm  

thank you I’d be interested to hear what the verdict was.

Was the quote the best you managed to find?

 


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John Holmes
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30/11/2018 10:59 am  

I have heard back from RIAS who contacted the underwriters, I put the walls down as prefabricated non combustible and they have come back saying that it is not any problem and they are happy to insure the property. I have buildings and contents with accidental damage included on the contents which costs £124 per year. Hope it helps. If anyone has any other problems with being declined insurance with RIAS please do let me know.


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salbar26
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30/11/2018 2:04 pm  

@johnch121 thanks very much – I’ll try ringing RIAS then rather than applying online which got me nowhere. I was going to settle for Santander which is £202/yr same cover as you describe above.


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John Holmes
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30/11/2018 2:36 pm  

Please let me know how you get on, I went through compare the market (You get free cinema tickets) but I dout it makes any difference.


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salbar26
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07/12/2018 8:35 pm  

this is the reply I’ve had!  I don’t understand how we can get such different replies to the same problem!

Hello Miss Bartlett,

Thank you for your recent email. 

We apologise for the delay in responding but we have had a response from our underwriters. 

Due to the material the roof is made of (metal) we are unable to offer a quote. 

Please contact our Customer Services Department on the telephone number 0345 234 0117 for any further questions or queries or visit our live chat link at rias.co.uk 

Our telephone lines are open 8.30am ? 8.00pm Monday to Friday and 8.30am ? 4.00pm on Saturday.

 

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John Holmes
(@johnch121)
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07/12/2018 8:47 pm  

Thanks for the reply and info, I was unsure what to put down about the roof as I am unsure what it is make off, I just put tilled as that is what it looks like, I think I may have to look into that a bit further and get back in contact with them.

 

 


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