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When a property is unoccupied for a period of time, it can be necessary to get an unoccupied insurance policy to protect against damage to the building and contents, or dealing with any legal issues caused by the property being unoccupied.

Unoccupied insurance may be a requirement of your mortgage provider. You may also need unoccupied insurance if you’re in between tenants or the property is being refurbished.

We have access to a panel of insurers that can provide cover specifically designed to meet your unoccupied residential property needs.

 

Risk types available:

  • To be sold
  • Awaiting letting
  • To be owner occupied
  • Pending probate settlement
  • Contents cover available
  • Properties undergoing structural renovations

3 levels of cover:

Level 1

  • Fire, lightning, explosion, earthquake or aircraft
  • Subsidence, ground heave or landslip (unless specifically excluded at quotation stage
  • £100 excess increasing to £1,000 in respect of subsidence
  • Property owners liability £5,000,000

Level 2

  • Full standard cover with cover limited for theft, malicious damage and escape of water of £2,500
  • Subsidence, ground heave or landslip (unless specifically excluded at quotation stage
  • £100 policy excess increasing to £500 espect of escape of water and £1,000 in respect of subsidence
  • Property owners liability £5,000,000

Level 3

  • Full standard cover including theft and malicious damage
  • Subsidence, ground heave or landslip (unless specifically excluded at quotation stage
  • £100 policy excess increasing to £500 espect of escape of water and £1,000 in respect of subsidence
    Property owners liability £5,000,000

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Extensive cover for complex needs

Public liability

Protection against liability claims made against you or your organisation.

Employers liability

Protection against the cost of compensation claims arising from employee illness or injury as a result of their work for you.

Professional indemnity

Cover for any claim made against your organisation by a client or customer for any losses they suffer as a result of your work or advice.

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