Unoccupied Property Insurance
If the property is left unoccupied for more than 30 days at a
time than this product may be suitable for you. This unoccupied
property insurance policy is available for purchase online or if
you are the main executor of the unoccupied property or have power
of attorney, you can purchase over the phone.
More key features of our unoccupied property insurance
- Cover for renovations - if you are decorating the kitchen or
bathroom, need new plumbing, central heating, alterations to non
load-bearing walls, extensions and re-wiring
- Theft from garages and other outbuildings for up to £500
- No single article limit
- Escape of water (for example burst pipes)
- Storm or flood damage
- Fire or smoke damage
- Flexible policies for 3, 6 , 9 and 12 months at a time
- Protection against vandalism
- Cover for damage caused by water or subsidence
- Total value of contents can range from £1,000 to £15,000
- Property owners liability cover of up to £2 million
Protections clause
We will not be liable for loss or damage by theft or attempted
theft from the property unless the following security devices are
fitted:
- A lock approved to BS3621 standard
- A mortise deadlock of at least 5 levers or a rim-automatic
dead-latch with a key-locking handle on the inside or a
key-operated (see tips and advice for more information) multi-point
locking system with at least three fixing points and a lock
cylinder with at least five pins to the main entrance door
- Key-operated security devices, top and bottom, in addition to
existing locks or a lock to the standard described in above to all
other external doors, except sliding patio doors
- A key-operated patio door lock mounted internally on the center
rail(s) or protection to the standard described above
- Key-operated security devices to all opening windows and
skylights on the ground floor
