Sometimes our underwriters or online system may decline a quote based on your postcode. This classification comes from insurers’ internal risk mapping, which considers hundreds factors such as local soil type, historical claims data, and geological reports.
Even if your individual property hasn’t been directly affected, insurers often apply these rules to an entire area to manage potential future risks. For example, areas with a higher likelihood of subsidence.
If your postcode falls within one of these higher-risk areas, unfortunately, we’re unable to offer cover at this time.
We are constantly working to improve and expand our underwriting so this may change in the future.