Intelligent Insurance home insurance

Learn more about Intelligent Insurance home insurance

Last reviewed 23 August 2022

Why choose Intelligent Insurance home insurance?

  • Free home emergency cover and legal protection on certain policies.
  • Could cover properties that are rejected by mainstream insurers.
  • Uses various insurance providers to find the right policy for customers.

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Who is Intelligent Insurance?

You may not have heard of Intelligent Insurance before, but it's an insurance broker offering specialist policies which are often not available from mainstream insurers.

Intelligent Insurance sells policies to those with non-standard properties and unusual circumstances. These include properties built with non-standard materials, barn conversions, those with flat roofs, or steel or timber frames. They also cover circumstances such as refused insurance cover and criminal convictions.

It was established in 2014 and its head office, and customer service team, are based in Ringwood in Hampshire.

As an insurance broker it works with a panel of insurers including LV=, AXA, and Prestige, among others. These are the Intelligent Insurance underwriters and when you take out a policy, it will come from one of these companies.

Intelligent Insurance home insurance policy details

Whether you have a standard home, a listed building, have underpinning, or are undergoing renovation, you should be able to find a policy to match your needs.

Intelligent Insurance will also consider the reason you use a property. For example, it covers properties that are going through probate, bed and breakfasts, shared houses and holiday or second homes.

If you’ve had trouble buying home insurance from other insurers, perhaps this is down to unspent convictions, bankruptcy, or past claims, you may be able to find a policy from Intelligent Insurance.

You can choose a combined buildings and contents policy or a separate buildings or contents policy, depending on what you’re looking for and the level of cover you’re after.

Intelligent Insurance offer a range of home insurance policy types. Not all policies and types are available through our site, so the exact levels of cover and benefits may vary. Before buying home insurance, we recommend you check the cover and benefits included.

Policies are flexible so you can choose the level of cover you need and add on any extras you might want. The following are all included as standard:

  • Alternative accommodation
  • Locks and keys cover
  • New for old
  • Utility cover
  • Emergency helpline
  • Up to £1,000,000 for loss or damage to your property
  • Accidental damage cover for windows, drains, cables, sanitary ware, and underground pipework
  • Cover for loss of rent if you’re a landlord
  • If you need to stay in alternative accommodation
  • 'Trace and access’ cover for water leaks

Intelligent Insurance home insurance optional extras

If you require more cover, you can pay extra to add on the following things to your home insurance policy:

  • Full accidental damage cover
  • Home emergency cover, such as if you have a wasp infestation or burst pipe
  • Personal belongings cover so you can take your belongings away from the home
  • Bicycle cover
  • High risk contents cover
  • Legal protection

Contact Intelligent Insurance

If you need to get in touch with Intelligent Insurance, it has a chat facility online or you can email them. You can also call Intelligent Insurance on 0333 311 1110

If you want to write to the company, you can do so at:

Intelligent Insurance,
4 Lakeside,
Headlands Business Park,
Salisbury Road,
BH24 3PB.

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