We provide property insurance covers for non standard ownership.

We understand that Typical Court Of Protection enquiries are very difficult to place in a normal market – let alone in a ‘Hard Market’.

We categorise the risks/placements in the main as ‘non-standard’.


Core issues in placing in the market – which is why we have developed specialist products include:

  • Age or type of ownership of the property is generally non-standard.
  • Properties are often unoccupied or there are works planned. Away from being a standard occupied property owners policy.
  • Equipment that needs to be installed in properties are also non standard and specialist that needs to be taken into account.

With that in order to approach to the insurance renewal or placement of cover – working closely with us can make a difference.


RiB have access to the following Court Of Protection products:-

Standard Property Owner Insurers:-

  • Covea
  • AXA
  • RSA
  • Zurich
  • Liverpool Victoria

Non Standard Property Owners Benefits.

All insurers comfortable with non standard ownerships – can also provide unoccupied property cover:-

  • Plumb – Capacity Providers Zurich Home Works Extension – Contract Works Cover this covers the property while under construction.
  • Cherish – Unlimited Buildings & Contents available.
  • Vasek – Really good with Unoccupied Property – standard limits are very wide.


As part of GRP, one of the largest independent insurance broking Groups in the UK, we are well placed to fight your corner.

  • If it is possible we try to obtain 3 quotes to clients in order to comply with FCA regulations.
  • We would like to know in advance which insurers have already approached before marketing – the ‘Hard Market’ will only hinder our joint ability to provide good results for your customers.
  • We also understand that the policies/quotes need to be fit for purpose.
  • We understand the market and cover requirements very well and can provide a solution to each risk. Importantly that they cover the core issues as identified above – we understand your clients will have very different needs and these need to be taken into consideration right from the outset.
  • The Cover on offer needs to be comprehensive & needs to deliver on certain key extensions to cover throughout.


For all enquiries please call the office on 01709 875548 or click to send us an enquiry:-

Send Enquiry

You can also help us by completing an application by clicking the button below and completing the form.

Household Application Form

If you need any guidance please call the office. The following link is to some helpful guidance on Types of Locks:-

Types Of Locks

In your email please give us full details of your association with the ultimate owner of the property and the legal representation behind it.