In alphabetical order,
these are the cases we can consider:

• Bed & Breakfast (but not guest houses or small houses where a fire certificate from the local fire authority is required).
   
• Criminal Convictions (our "Fairplay" Scheme offers mainstream Household Insurance for proposers with criminal convictions).
   
• Non-Standard Construction
   
• Flats (purpose built and unoccupied)

• Flood Damaged Properties* (our "Flood Insure" scheme aims to insure properties that have previously suffered flood/water damage, where there is evidence that remedial work - carried out by the householder, local Authority, or Environment Agency etc etc - has substantially reduced the risk.
  
  
• Joint Occupancy ( unrelated persons of which one must be the insured).
  
  
• Holiday Homes (used by family and friends but also including commercial use but excluding commercial use but excluding DSS lets and/or lets via local councils).
  
  
• Let Properties (including professional let to one person or family, student let to one person).