Ceta has added the Adapt non-standard home insurance notional product from managing general agent Arkel to its general insurance panel.

The digital niche personal lines broker said the move will give advisers access to a solution designed for properties that sit outside the appetite of mainstream insurers.

Adapt is underwritten by AmTrust and is offered on a notional sums insured basis, an approach intended to address the persistent issue of underinsurance in the UK housing market.

Industry data suggests around 70% of residential properties remain underinsured, with average cover standing at roughly two thirds of true rebuild costs, leaving homeowners and advisers exposed to both financial and regulatory risk.

The product is aimed at non-standard risks, including unusual construction types, mixed occupancies, holiday lets and cases involving adverse claims histories.

By using notional sums insured, the policy is designed to provide a more reliable level of protection where accurate rebuild valuations can be difficult to establish.

Mark Chappell, head of intermediary at Ceta, said: “Adding Adapt to our panel is a strategic win for advisers and their clients.

“With underinsurance still pervasive in the UK market, brokers need products that go beyond tick-box sales and genuinely protect clients.

“This new notional product gives brokers the flexibility to place complex cases confidently, while helping safeguard clients from inadequate cover that can be financially devastating at the point of claim.”

Ceta said the addition of Adapt comes at a time when rebuilding costs remain volatile, increasing the risk of cover gaps for homeowners.

The broker believes the expanded panel will help advisers deliver more robust solutions across a wider range of residential risks.