Holiday Home EPCs: What Every Property Owner Needs to Know
March 23, 2026
Owning a holiday home is a brilliant investment, but it comes with its fair share of admin. One question that often trips owners up is:
Welcome to Policy Powerhouse, where non-standard doesn’t mean second-best.
With over 30 years of experience in the insurance industry, we specialise in
helping people secure cover when traditional insurers say no.
If you’ve been declined home insurance due to a CCJ, you’re not alone, and more
importantly, you still have options. At Policy Powerhouse, we focus on properties
and circumstances that don’t fit into neat boxes, offering flexible, affordable cover
designed around real-life situations.
Our intelligent, user-friendly platform allows you to quote and buy online in
minutes. And if your situation is a little more complex, our expert team is ready to
step in and help
We work with providers experienced in non-standard construction.
Policies designed around your property’s specific risks.
Options available if you’ve been refused elsewhere.
While your options may be more limited with mainstream insurers, you can still
get home insurance with a specialist provider.
When you’re likely to be accepted
You’re more likely to find cover if:
● Your CCJ is older or has been satisfied
● The value of the CCJ is relatively low
● You have a stable financial profile otherwise
● Your property and insurance needs are straightforward
When it can be more difficult, and why
It may be more challenging for you to find cover if:
● The CCJ is recent
● The amount is high
● It remains unsatisfied
● There are multiple CCJs or other financial markers
This is because insurers use financial history as one indicator of overall risk. That
said, we always take a case-by-case approach, so don’t assume you won’t be
eligible.
A County Court Judgment (CCJ) is a legal decision issued when a debt hasn’t
been repaid. It’s recorded on your credit file and can influence financial
applications, including insurance.
Satisfied vs unsatisfied CCJs
A satisfied CCJ means the debt has been repaid, which can reassure insurers and
improve your chances of acceptance. An unsatisfied CCJ indicates the debt is still
outstanding, which may signal higher risk and reduce the number of insurers
willing to offer cover.
How far back insurers may ask
Most insurers will ask about CCJs within the past five to six years, as this is how
long they usually remain on your credit file. Some may have different criteria, so if
you’re unsure, it’s worth confirming exactly what information a specific insurer
requires.
A CCJ can influence both the price you pay and the insurers available to you.
While it doesn’t automatically prevent you from getting cover, it may mean fewer
options or slightly higher premiums depending on your overall risk profile.
Price impact and eligibility factors
Insurers assess factors such as the age, value, and status of your CCJ when
calculating your premium. A recent or unsatisfied CCJ may increase costs or limit
eligibility, whereas older or satisfied CCJs are often viewed more favourably by
specialist insurers.
Paying monthly vs annually
If you choose to pay monthly, insurers may carry out a credit check, which can be
affected by a CCJ. In some cases, this may limit your payment options or result in
higher interest, whereas paying annually can sometimes simplify acceptance.
**Conditions: We will beat or match any price for equivalent cover, or we will give your money back (within 14 days of the cover starting)
To provide an accurate quote, we’ll ask a small number of relevant questions
about your circumstances. This ensures your policy is correctly underwritten and
reflects your individual situation, helping avoid issues later on, particularly if you
need to make a claim.
CCJ details we may need
You may be asked for details such as when the CCJ was issued, the amount
involved, and whether it has been satisfied. Providing accurate information allows
us to offer cover that aligns with your specific profile.
If the CCJ is in someone else’s name in the household
In some cases, insurers may ask about CCJs held by other members of your
household, particularly if there is a financial connection. This helps ensure the
policy is fully informed and valid, so it’s important to disclose any relevant
information when applying.
Home insurance with a CCJ generally offers the same core protection as standard
policies. The exact level of cover will depend on the terms of the policy selected,
so it’s important to review what is included and confirm any specific details where
needed.
Buildings insurance
Buildings insurance covers the physical structure of your home, including walls,
roof, and permanent fixtures such as kitchens and bathrooms. It typically protects
against risks like fire, flooding, and storm damage, helping cover the cost of
repairs or rebuilding.
Contents insurance
Contents insurance protects your belongings inside the home, such as furniture,
appliances, and personal items. Cover usually applies to events like theft, fire, or
accidental damage, depending on the policy, helping you replace or repair items
if something goes wrong.
Alternative accommodation
If your home becomes uninhabitable due to an insured event, your policy may
include cover for alternative accommodation. This helps pay for temporary
housing while repairs are carried out, reducing disruption and ensuring you have
somewhere suitable to stay
If you need to make a claim, the process is designed to be as straightforward as
possible. Our insurers provide dedicated claims support to guide you through
each step and ensure your claim is handled efficiently and with minimal stress.
What you’ll need when making a claim
When making a claim, you’ll typically need your policy details, a description of the
incident, and any supporting evidence such as photos or receipts. Requirements
can vary depending on the situation, so check your policy documents or confirm
if needed.
How to get support quickly
You can contact the claims team directly to begin the process and receive
guidance. They’ll explain what to do next, help gather any required information,
and work with you to resolve the claim as quickly and smoothly as possible
Arrange your home insurance with a CCJ with a specialist provider. Policy Powerhouse offers a simple process, expert guidance, and access to tailored policies.
Request a quote today to secure appropriate cover for your property and avoid gaps in protection.
Yes, it is often still possible to get home insurance with an unsatisfied CCJ. While
it may affect how your application is assessed, cover can still be offered
depending on your overall circumstances and the specific terms of the policy.
Some insurers may check your credit file, particularly if you choose to pay
monthly, as this involves a credit agreement. Not all policies require this, but it’s
important to provide accurate information as part of your application.
A CCJ can affect your premium, as it may be considered an indicator of increased
risk. The impact depends on factors such as how recent it is, the amount involved,
and whether it has been satisfied at the time of application.
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