Intelligent Insurance

Home insurance for non-standard properties in the UK

Intelligent Insurance is a UK-based insurance broker focused on home policies for properties and circumstances that conventional insurers tend to reject. The company was founded in 2014 by its CEO, Philip Davies, and operates under the trading names Intelligent Insurance, Custom Home and Intelligent Insurance Complete Home, all of which belong to Intelligent Advisory Services Ltd.

The entity is authorised and regulated by the Financial Conduct Authority (FCA) under reference number 624474. Its website states that its buildings and contents cover is rated 5 stars by Defaqto and that policies are underwritten by a panel of UK insurers.

Properties and situations covered

The broker's range covers a wide variety of properties and uses that fall outside standard market criteria. Among the properties considered are listed buildings, flats, barn conversions, old houses, large homes, timber-framed or steel-framed houses, prefabricated homes, flat-roofed properties, SIPs-built homes and outbuildings. It also includes properties with structural issues, such as those affected by subsidence or with reinforced foundations, as well as those undergoing renovation or located in flood-risk areas.

In terms of use, the company offers insurance for second homes, Airbnb-style holiday lets, holiday homes, home businesses, properties in probate, unoccupied homes, houses shared with lodgers and bed and breakfast accommodation. Contents cover for shared houses is also part of its offering.

The broker also handles personal circumstances that make it difficult to obtain conventional insurance, such as having been declined by another insurer, having criminal convictions, being bankrupt, having a claims history or working in an occupation considered high risk.

Cover and services included

Policies sold by Intelligent Insurance may include buildings cover, contents cover, accidental damage, personal belongings, specified high-value items, bicycles, family legal protection and home emergency cover. The company states that basic home emergency and family legal protection are included as standard.

The website indicates that the broker can issue quotes in 92% of the cases it receives, reflecting its focus on risks that other entities decline.

Customer service and claims handling

The company manages policies and claims through a direct telephone customer service. Testimonials on Trustpilot highlight the speed of claims handling, communication during the process and the ability to speak to a real person rather than relying solely on online comparison sites. Simple renewals and a clear user account platform for managing the policy are also mentioned.

Corporate and regulatory information

Intelligent Advisory Services Limited is registered in England and Wales under number 07839423. Its registered office is at 4 Lakeside, Headlands Business Park, Salisbury Road, Ringwood, BH24 3PB. Its activity is subject to the UK regulatory regime and the website is aimed at customers resident in that country.

Location and contact

4 Lakeside, Headlands Business Park, Salisbury Road, Ringwood, BH24 3PB