FAQ – Unoccupied Home Insurance
Here are some of the questions we are frequently asked about our
unoccupied property insurance. If you can't find the answer to your
question here, please call us on 0844 892
1750.
What if I only need to insure the property for a short period
of time?
Our unoccupied home insurance policy is very flexible and we can
insure for 3, 6, 9, and 12 months at a time. Selling the property
or undergoing probate can be a lengthy process which is why we are
flexible.
Why can't I get standard buildings and contents cover for my
unoccupied home?
Most providers will not insure properties which are left
unoccupied for more than 30 days at a time, which is why you need
to come to a specialist provider.
What if I work away and my property is left unoccupied for
months at a time?
Your best bet is to speak to one of our advisors on 0844
892 1750 and explain your circumstances to make sure you
get the right level of cover.
Can I still arrange insurance even though the property is being
renovated?
Yes you can. Call us on 0844 892 1750 to
discuss your needs in more detail.
I have some items of furniture in the unoccupied property - are
these covered?
We can offer cover on contents up to £15,000 so your furniture
will be covered as long as it does not exceed this amount.
The property is going through probate, how can I arrange
insurance?
If you are the executor you can arrange insurance with us over
the phone. We can get the property insured straightaway so you have
one less thing to worry about.
Does this policy include property owners liability
insurance?
Yes. Our policy automatically provides employers liability cover
of up to £2 million.
My current insurer won't cover me - can I arrange insurance
ASAP?
Yes. We can arrange instant cover. You can do this over the
phone or online.
How much should I insure my unoccupied property for?
For your buildings you need to take into consideration not only
the cost of rebuilding the main property but also any outbuildings,
swimming pools, boundary walls etc. The value should include
solicitor and surveyor fees and demolition costs. With your
contents you need to consider all household goods and personal
property within your unoccupied property and how much you would
have to pay to replace them as new. We make a deduction for wear
and tear for clothing and linen.
What do I do if I need to cancel my cover?
You are entitled to a full refund of the premium paid if you
find the policy unsuitable for your needs and cancel it within 14
days of receipt of your policy documents (as long as no claims have
been made). If you need to cancel your cover you will be charged
relevant administration costs for setting up the policy. Please
call us or notify us in writing with the reason for cancellation
and state the date from which you need cover to cease. Remember, if
your policy is in more than one name, all policyholders will need
to sign the letter. If you have any other queries please don't
hesitate to contact the customer services team on 0844 892
1750.
Can I pay my premium by cheque?
Yes, of course. Post your cheque to: Towergate Insurance, Suite
N, The Octagon, Middleborough, Colchester, Essex CO1 1TG.
