Non-standard as standard
At Ceta we've been supporting brokers for more than 25 years, providing competitive quality standard household insurance for your clients, however, we are also a market leading provider of Non-Standard property insurance.
As insurers have improved the way they manage and analyse their data, it has enabled them to become more selective and accurate in pricing risk. This has led to an increasing number of properties and policyholders falling into the non-standard category. At Ceta we offer a panel of specialist insurers who understand these risks and are able to offer terms that will enable you to provide quality property insurance cover for your clients quickly and easily, without the need for manual referral and with the minimum of hassle.
Evolution of the sector
Historically, when brokers needed to find an insurer to cover a non-standard risk they would have to submit a manual request to a specialist broker and then, sometimes days after a lot of to-ing and fro-ing the broker might get a premium that they could take back to their client to see if it was acceptable.
The whole process could take days or weeks and even then there would be no guarantee that the solution would be accepted, wasting time and effort for no reward.
Ceta developed the Infinity system to make this convoluted process obsolete. Our state-of-the-art system enables you to quote, compare, click and buy a solution for your client from more than 31 standard and non-standard risks in minutes.
Non-standard risks
They say it’s not what you know, it’s who you know. Fortunately, we’re knowledgeable and well connected. Our partnerships with specialist third-party insurers ensures every non-standard risk can be managed and secured with ease, speed and reassurance.
When it comes to the risks that we can manage, there are a few. There are 4 key types of non-standard property insurance and you will see below which risks fall into which category.
Non-standard by location or condition
- Under construction
- Home renovation
- Flat roof
- Underpinned
- Flood risk
- Subsidence risk
Non-standard by property type
- Timber/steel framed
- Barn conversion
- Mid/High Net Worth
- Listed property
- Non-standard construction
Non-standard by property use
- Unoccupied
- Business use
- Work from home: Professional and trading from home
- UK holiday home
- Let holiday home
- Lodgers
- Residential Let
Non-standard by property owner
- Adverse claims history
- Probate
- CCJ/Bankruptcy
- Bad credit history
- Ex-offender
- High risk occupations
Here are some of the risks we can cover:
