Flex - Non Standard Home (ROI)

Flex is a policy designed for non standard home insurance risks, available in the Republic of Ireland.


It is there to provide a solution for those finding it difficult to insure their home and possessions.

With a range of cover enhancements, it caters for a wide range of non standard risks, such as:

  • Non standard construction
  • Non standard occupations
  • Convictions
  • Subsidence history / underpinned properties
  • Irregular occupancy
  • Bankruptcy
  • Declined, refused or cancelled insurance
  • Adverse claims history
  • Flood risk
  • Unoccupied homes

Cover provided for:

  • Buildings
  • Contents
  • Valuables and Personal Possessions
  • Pedal Cycles (away from the home)
  • Money & Credit Cards
  • Freezer contents
  • Accidents to Domestic Employee(s)
  • Legal Liability to the Public

Quote request

Already an existing Plum broker? Click the button to begin your quote request online.

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Here at Plum we’re committed to supporting our brokers. To helping you win and retain profitable business. Flex is an important part of our delivering on that commitment.

Like all our specialist home insurance products Flex is backed by our highly experienced and accessible, team of underwriters who individually underwrite each risk they are shown and it’s supported by our responsive, top quality service. So when you choose Flex, you can be confident that you are providing your clients with the competitive, tailor-made protection for their homes and treasured possessions they require.

*Please note that this summary is not intended as a full list of our policy conditions and exclusions. For full terms, conditions, exclusions and limitations please refer to the Flex policy wording.

Finding it difficult to obtain home insurance? Flex is the answer.  

Five good reasons to choose Flex:

Service - Plum has been voted an Insurance Times ‘Top 5’ personal lines insurer by brokers in 2016 and 2017. Our experienced, accessible underwriting team is at hand to assist you as required.

Cover - Flex is an approved home insurance policy with several cover enhancements.  You can choose Flex for your clients with confidence.

Flexibility - Our experienced underwriters are able to offer terms on a whole range of non standard risks that other insurers are unable to help with.

Security - Underwriting capacity for Flex ROI is provided by Lloyd's the world’s leading insurance market. For financial strength, Lloyd’s is rated A (Excellent), A+ (Strong) and A+ (strong), by A.M. Best, Fitch Ratings and Standard & Poor's respectively.

Expertise - Plum has been providing specialist home insurance products to brokers for over a decade. Flex is further evidence of our strong commitment to backing brokers.

Cover is provided on a "standard perils" basis, on a policy wording based on the Lloyd's approved home insurance policy.

The following limits are provided automatically unless a higher limit is requested. For a full list of all the covers available, please refer to the policy wording.


Cover Limit (€)
Accidental Damage Optional
Garden, plants and shrubs 2,500
Trace and access 5,000
Loss of Rent 25% of buildings / 24 months
Alternative accommodation 25% of buildings / 24 months


Cover Limit (€)
Accidental Damage/Loss Optional
Contents of outbuildings 5,000
Contents in the open 1,000
Home business contents 5,000
Money/credit cards 750 (500 credit cards)
Pedal cycles (at the home) 500
Replacement locks 5,000
Loss of metered water/oil 5,000
Seasonal increases 5,000
Electronic data 2,500

Valuables and Personal Possessions

Cover Limit (€)
Accidental Damage/Loss Optional
Valuables and personal possessions 33.3% of the contents sum insured (with a 10% Single Article Limit) other than pictures and paintings which are covered up to the total contents sum insured


Cover Limit (€)
Accidents to Domestic Employee(s) 3,000,000
Legal Liability to the Public 3,000,000

A fair, efficient, customer friendly claims service.

We know that when a policyholder makes a claim on their policy the quality and speed of response of our claims service are the keys to maintaining customer satisfaction.

We pride ourselves on delivering a top quality claims service for our supporting brokers and their clients, looking to settle claims fairly, efficiently and consistently.

In safe hands

We understand that, in addition to being the face of our company, our appointed claims handlers and loss adjusters are representing your businesses too and therefore, we have strict controls in place throughout the claims process to help ensure your clients receive a high standard of service.


As with every facet of our service, we are constantly seeking improvements. If you have any feedback concerning our service in this, or any other area, please click here

Contact us

Get in touch with one of our experienced team to find a competitive insurance solution that suits you.

Tony Gardiner
01638 596393

Simon Nightingale
01638 596391