The property can remain unoccupied
between tenancies with no restrictions for up to 90 days. Cover restrictions
may apply to properties unoccupied at commencement of the policy.
As the standard policy has no excess
whatsoever, the premiums quoted may be higher than policies with a
standard £50 or £100 excess. The excess levels are NIL, £100, £250,
£500, £1000
Buildings Insurance
Fire, aircraft
Malicious persons (excluding malicious
damage by tenants unless accidental damage cover option taken when a £500
excess applies)
Lightning, explosion, earthquake,
collision or impact, falling trees
theft by forcible means
subsidence, heave
riot/ civil commotion
storm, flood
escape of water or oil leakage
Loss of rent + re-letting costs (following
damage) up to 30% of sum insured
Employers Liability £10,000,000
Property owners liability £5,000,000
Subsidence
The standard policy has NO subsidence
excess.
Taking a voluntary excess automatically
increases the subsidence excess to £1000
Subsidence cover may not be available in
some areas (not listed by company)
