Home Insurance with CCJ

Home Insurance for those with poor credit history and CCJs.

  • Case by case basis
  • Specialist home insurance team
  • Home cover after active or discharged bankruptcy

Call us on 0345 266 8568 or get a quote online.

A shield with a tick inside it on a big translucent blue circle
Mother and son sitting next to a radiator looking at the mobile in the boys hands
If you need additional assistance arranging your insurance, find out how our teams can support

One of the UK's leading independent insurance brokers

Trusted brand icon

Overall service rating 4.6 / 5

Based on 4407 customer reviews

Feefo Logo

Why choose CCJ home insurance with Towergate?

Tick

Case by case basis

Where some companies may automatically turn you away with bad credit or a CCJ, we are able to consider everyone on an individual case by case basis.

People

Specialist home insurance team

Our friendly customer service team will take the time to understand your circumstances to help you get the cover that is right for you, you can call them Mon - Fri 9am to 7pm, Sat 9am - 1pm.

Money

Home cover after active or discharged bankruptcy

We can consider you whether your bankruptcy is still active or if it has been discharged. All we need is a little more information; (1) how much your CCJ or bankruptcy was for, (2) when it was and (3) what the circumstances were.

Direct Debit icon

Spread the cost of home insurance

You may be able to spread the cost over a monthly direct debit plan to make the total amount more manageable, subject to a credit check by our third-party provider.

About home insurance with CCJ

Building

Buildings cover

We will provide cover for your buildings as standard and we can also offer the option to add on extended accidental damage cover as well.

House

Alternative accommodation cover

If your home becomes uninhabitable, you’ll have cover in place towards the cost of staying somewhere else, as long as the claim for the damage is covered under the policy.

Accidental Damage

Contents cover

As well as your buildings, we can offer cover for your contents too. You must lock all of your doors and windows when you leave the home for this cover to remain valid.

Theft

Theft cover included in home insurance

On our policies you will be covered for theft as long as there is evidence of forcible entry or exit.

When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.

  • Find your insurance documents and make sure you have all your information at hand, including your policy number.
  • Call the claims team on 0345 074 4760 and explain exactly what happened.
  • Provide photos if requested to help us understand what happened as quickly as we can.
Smiling women sitting on a rug on a parquet floor leaning on a sofa looking at her mobile

Ready to get covered?

  • Fill in our online quote form or call us
  • Purchase your policy
  • Relax - You're covered!
Get a Quote

Home insurance with CCJ FAQs

This depends on your circumstances and the type of property you want to insure. The quickest way to find out is to speak to one of our advisers on 0345 266 8568.

Please call us or notify us in writing with the reason for cancellation and state the date from which you need cover to cease.

Remember, if your policy is in more than one name, all policyholders will need to sign the letter. If you have any other queries, please don't hesitate to contact the customer services team on 0344 736 0088.

Yes. We can provide cover for both of these situations this but we might need to ask some further questions regarding the circumstances.

In short yes. We understand that if this has happened you still need to protect your home and the contents in it. The easiest way to discuss this is either through our online quote journey or give us a call and we can talk you through the process of getting your house covered.

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.

You can pay by credit card, debit card or monthly direct debit, subject to eligibility checks with our third-party credit provider.

Read more FAQs

Read CCJ home insurance articles

Does your property need specialist home insurance?

Phil Spencer (Location, Location, Location) discusses non-standard home insurance.

Read more

A Simple Guide to Home Insurance

Buying home insurance needn't be as complicated as you think. Get to grips with the ins and outs of what makes up a home insurance policy.

Read more

A Guide to Holiday Home Insurance

Holiday homes are more vulnerable and require more protection than other types of properties. In this easy-to-follow guide we cover all you need to know about holiday home protection.

Read more

Buying a Holiday Home

Buying a holiday home has major rewards, if it is done correctly! Take a look at our detailed guide to help you navigate the process and find the right house in the destination of your dreams.

Read more

Unoccupied Home Insurance Explained

Insurance for unoccupied homes can be confusing. In this guide, we cover all the essential facts and information to help you keep your home as secure as possible while you are away.

Read more

Rightsize Your Insurance

When you insure a building, it is your responsibility to decide how much to insure it for. Your broker or insurer cannot tell you this amount.

Read more

Non Standard Property Explained

Everything you need to know about non-standard property insurance from our series of specialist property insurance guides.

Read more