Cover is provided (excluding the appropriate excess for)
Fire, lightning, explosion, earthquake
Escape of water from tanks & pipes - excluded for unfurnished properties
Riot or Civil Commotion
Theft or attempted theft - (following forcible/ violent entry) -excluded for unfurnished properties
Subsidence (excluding the first £1,000 of each claim)
Aircraft
Escape of oil - excluded for unfurnished properties
Storm or flood
Impact
Malicious persons (following forcible/ violent entry) - excluded for unfurnished properties
Now Includes Landlords Legal Cover to defend criminal prosecutions and assist with other legal problems. (NOT if property is unoccupied)
Property Owners Liability (£1,000,000 limit of indemnity)
Accidental damage to underground service supply, pipes and cables
Loss of rent should the property become uninhabitable following damage caused by an insured peril.
NB If the property is unoccupied then the central heating system must be switched off and drained or maintained at a reasonable temperature 15C
We can arrange cover for unfurnished unoccupied property providing wider cover subject to a satisfactory proposal form with another underwriter. Please phone 0844 8262616
This is a very basic summary only. All policies have terms, conditions and exclusions. If you have any specific demands and needs for cover we recommend you contact us so we can confirm whether this policy meets them. A full policy wording is available on request.