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Coronavirus help and support for our insurance customers
Buildings and contents insurance for properties during probate
Probate can be complicated and it can take time to sort out, and that’s why we offer three, six, nine or 12-month policies. We also offer three different levels of cover. You can insure for the basics of fire, lightning, earthquake and explosion, or add more cover- for instance for things like leaks, subsidence and theft - depending on the circumstances and what you think is needed.
If you’re a solicitor, administrator or an executor familiar with the probate process, we can make getting insurance sorted really quick and easy. You can even get a quote, pay for your policy, and continue to manage the insurance online.
If you’re going through a bereavement and looking after a deceased estate - we’re here to help. Wading through probates and legalities can be stressful and confusing, and insurance is probably the last thing you want to worry about. If you need it, our expert team can help you understand what you need, and get you the right policy in place with the minimum of fuss.
We can cover the property if it’s occupied by you, relatives or tenants, or if it’s unoccupied – even for longer periods. Just give us a call to discuss the circumstances. We also offer cover for renovations to your probate property if you’re sprucing the place up – from redecorating to modernisation, new bathrooms to full extensions.
We recommend you report your claim as soon as possible and we have a 24-hour claims number so you can call us straight away.
Once reported, our claims team will call you back no more than 24 hours later with the next steps for your claim, hopefully we’ll get things sorted nice and quickly for you.
Call or email us with; your policy number, a phone number to reach you on, details of your claim and photos where possible.
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Probate is the process of dealing with the estate of somebody after their death, which typically involves clearing any debts and distributing whatever assets they have in accordance with their will. Often this will involve a property.
You’re likely to need special cover if the property is still in the deceased’s name, or if it’s unoccupied for an extended period. Ordinary home insurance policies probably won’t cover you for more than 30 days of unoccupancy.
Yes. You’ll have to prove you have an ‘insurable interest’ in the property in order for us to be able to provide cover. Once you’ve been confirmed (usually as an executor or trustee) the policy can be issued in your name with any other beneficiaries named as additional policyholders.
Empty properties face more risks than occupied properties. Even well maintained properties can degrade quickly with no one on the spot to see problems – like leaks – and put a stop to them before they cause too much damage. Vacant properties can also be at more risk of antisocial behaviour or burglary. Your insurer may ask that you inspect the property (or have an agent inspect it) every seven days, or that you install an alarm or upgrade locks.
Your premium will also vary depending on how long the property has been or will be empty. Usually after 5 years restrictions will start to apply – often reducing your cover to fire, lightening, earthquake and explosion only.
Each probate case is different, but it can end up being an unexpectedly lengthy period of wrangling with solicitors and official documentation. We’d always recommend you start with at least a six month policy. However, with a range of shorter policies available, it means we can help you make sure you’re only getting the cover you need, at every stage of the probate process.
Yes, you can get a quote online, but we’re on the other end of the phone if you have specific questions.
We know that if it’s the first time you’ve dealt with probate, especially if you’re also dealing with your own grief, sometimes things can feel overwhelming. Our team are experts and are on hand to guide you through the process and make sure you’ve got the right cover in place for the property you’re responsible for.
We’re a safe pair of hands for an upsetting time of your life and it’s our job to make things as easy as possible, giving you a bit of peace of mind while you concentrate on what’s really important.
You can pay by credit card or monthly direct debit.