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If you have a County Court Judgment (CCJ), you may find that many of the mainstream home insurance companies will decline to provide you with cover. This is because some insurers may assume that individuals with a CCJ are more likely to default on payments. While this is more relevant to financial products like loans or credit cards, it can still affect how insurers perceive you as a client.

Our CCJ home insurance quote service is designed to help you find those insurers that may consider providing you with home insurance – even if you have a CCJ or other bad credit. While policy features, benefits and cover levels may vary, typically you may be able to get:

  • Peace of mind that your home has adequate insurance
  • Affordable monthly or annual payment options
  • Different levels of cover to suit your needs

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A guide to home insurance for people with a CCJ or other bad credit

As we have discussed above, if you have a CCJ and want home insurance, getting cover may be difficult. In this guide, we will break down what a CCJ is, how it affects your home insurance options, and what steps you can take to secure an appropriate policy.

What is a County Court Judgment (CCJ)?

A County Court Judgment is a court order issued by a County Court in England, Wales, and Northern Ireland when someone fails to repay a debt. The creditor can take you to court if you fail to meet payment obligations, and the court will decide whether you are liable to pay the debt. If the court rules against you, you receive a CCJ, which goes on your credit record for up to six years.

Scotland has its own version of this legal process, called a Decree.

A CCJ negatively impacts your credit score and can hinder your ability to secure certain financial products. This includes home insurance, as insurers may see you as a higher risk.

Why does a CCJ affect home insurance?

Insurers use a variety of factors to determine the risk when providing insurance. A significant factor is your financial history, including whether you have had any CCJs.

Insurance companies might view individuals with a CCJ as having an increased likelihood of missing payments, so if you do find an insurer willing to cover you, you may face higher premiums. This is because, from the insurer’s perspective, your CCJ makes you a higher-risk customer.

Typically, there are fewer home insurance providers who will be willing to provide you with cover. And some insurers may refuse to offer cover altogether if you have a CCJ on your record.

For more information on other financial issues that can affect your insurance, see our guides on home insurance for bankrupts, IVA, DRO or bad credit, refused and cancelled home insurance, and home insurance with criminal convictions.

Did you know?

Do note that with a provider of CCJ home insurance, the policy options available to you may be more limited. For example, you may not be able to access certain types of cover or add-ons, such as accidental damage or legal cover, which may be available to people with clean credit records.

What home insurance options are available if you have a CCJ?

If you have a CCJ, you might still be able to get home insurance, but you’ll need to approach the process with care.

While mainstream home insurance providers turn you down, consider approaching specialist insurers who offer cover to people with non-standard financial backgrounds, including those with CCJs. These insurers understand that a CCJ or other bad credit doesn’t necessarily make you a higher risk in terms of your property, and they may be more willing to offer cover.

Our service is designed to find CCJ home insurance providers who may be able to help you.

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Money savings tips for CCJ home insurance

There are things you can do that may help you find affordable bad credit home insurance with a CCJ. These include:

  • Paying your premiums annually – If you pay for your CCJ home insurance cover for the whole year rather than monthly, this may typically work out more cost-effective (if a monthly option is offered to you).
  • Increasing your excess – all insurance policies typically have what is called an excess – this is a compulsory amount you are financially liable for in the event of a successful claim. Sometimes, if you agree to pay a voluntary excess on top of the standard excess at the time of buying the cover, you may find you pay less.
  • Shopping around – Our service may help you compare different CCJ home insurers and policies, so you can find the policy that most suits your needs. If you click the button below, you can get bad credit home insurance with CCJ quotes.

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In summary: Buying home insurance with a CCJ

While having a CCJ can complicate the process of securing home insurance, typically it’s not an insurmountable obstacle. By understanding how a CCJ affects your options, and seeking out specialist insurers, you may still obtain the cover you need to protect your home.

Always be transparent about your financial situation and work with experts where necessary to find the most suitable solution for your unique circumstances. You may also want to explore options for car insurance with a CCJ if you need vehicle coverage.

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Home Insurance with a CCJ FAQs

Do I have to declare a CCJ when getting home insurance?

Yes. When applying for home insurance, always be honest about your financial situation, including any CCJs. Failing to disclose a CCJ can invalidate your policy, leaving you without cover when you need it most.

Can I still get home insurance if I have a CCJ?

Yes, in most cases you can still obtain home insurance, but some mainstream insurers may reject your application. You may need to seek specialist insurers who provide home insurance with CCJs or poor credit histories.

Will having a CCJ increase my home insurance premiums?

It’s possible that insurers may charge higher premiums if you have a CCJ, as they may see you as a higher-risk client.

Do all insurers check for CCJs when offering home insurance?

Not all insurers check for CCJs, but many will review your credit history as part of the application process, which may include checking for CCJs.

How long does a CCJ affect my home insurance options?

A CCJ stays on your credit report for six years. During this time, it may affect your ability to get certain financial products, including home insurance.

What can I do to reduce my home insurance premiums if I have a CCJ?

Improving your credit score, choosing a higher voluntary excess, and installing security features in your home (such as a house alarm) may help reduce your premiums.

Does settling my CCJ improve my chances of getting home insurance?

Settling a CCJ can help, especially if it is marked as “satisfied” on your credit file, which may look better to insurers compared to an unpaid CCJ.

Can I get other types of insurance with my CCJ in addition to home insurance?

Yes, the panel of insurance providers may be able to help with Car Insurance with a County Court Judgement (CCJ) – just complete the simple online quote form with your details for consideration.

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