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Unoccupied Property Insurance

Insurance for unoccupied property. The property may be unoccupied because it is to be sold (for profit or otherwise), to be let out (any sort of tenant), or be lived in by proposer. It may be undergoing non structural or structural renovations. Property in low-lying areas or previously undergone subsidence may be covered on referral.

Quick Quote for unoccupied property insurance

Info

Policy Wording

Key facts
Postcode Help
Buildings (Rebuilding cost - reinstatement) Help
Excess required on Buildings Section Help
No claims Bonus on Buildings Section Help
Contents (Replacement cost - new for old) Help
Excess required on Contents Section Help
No claims Bonus on Contents Section Help
Accidental Damage Cover Help
Age of Older of Proposer / Spouse

Additional Covers (only if the house is occupied by proposer)

Unspecified All risks (non electrical)
Specified All Risks (non electrical)
Unspecified All Risks (electrical items)
Money and Credit Cards (4.00 exc IPT)
Freezer Foods (max 300)
Sports equipment
Pedal Cycles
Family Legal Protection (18.00 inc IPT)

Full or Limited Cover Wanted Help
Is the property undergoing renovations 
Construction of Buildings Help
Is the property listed? Help
Professionally installed/ maintained alarm ?
Social Media Discount? Help

Optional Benefits

Landlord Legal Expenses/ Rent Guarantee Help
Landlord Loss recovery Assistance Help
Home emergency/ Boiler Breakdown Help
Quote(inc IPT)

The future

It is the nature of unoccupied property insurance that the property will not remain unoccupied for extended periods. The following are estimates of the future premium or return premium of the insurance policy, depending on how you intend to use the property. They are produced as a guide only.

  • You cancel the insurance policy in the 14 day cooling off period. We will make a charge of 2% (minimum 10.00)

  • If you cancel the insurance after the 14 day cooling off period then providing there have been no claims we will make a refund. We will make a charge of 15.00 for cancelling the policy as well as any commission we would have to refund the insurance company. An additional 30 days time on risk will be applied. No return premium of less than 5.00 is given but we will never ask for any additional amount to cancel the policy. To obtain an estimate use the option below:-

Time On Risk

Estimated Return Premium
(after deductions)

  • You decide to let the property out. The new insurance premium depends on the type of tenant. We will make a charge of 15.00 for processing the change as well as any commission that we would have to refund to the insurance company. (Premium adjustments for alterations are on a pro-rata basis depending on the change of premium and remainder of the policy period). A policy fee of 25.00 is applied to landlord insurance. The escape of water excess is reduced to 150.00 unless the 250.00 excess option is taken. Landlord legal expenses and rent guarantee options are available. Accidental damage cover for both contents and buildings is available no matter the tenant type (amend the data above to exclude renovations and include accidental damage if necessary to obtain a quote). 

Tenant in Property

Estimated Annual Premium
(including IPT & Fee)

 
  • You wish to move into the property yourself. We will make a charge of 15.00 for processing the change as well as any commission that we would have to refund to the insurance company. There is no policy fee for home insurance. (Premium adjustments for alterations are on a pro-rata basis depending on the change of premium and remainder of the policy period).There are various options available including: frozen food, money and credit cards, sports equipment, all risks on electrical (e.g. mobile phones, iPads) and non electrical (personal effects, jewellery) as well as legal expenses insurance. The escape of water excess is reduced to 150.00 unless the 250.00 excess is taken. The quote below is purely for buildings and contents on the same basis as the unoccupied property (amend the data above to exclude renovations and include accidental damage if full accidental damage cover is needed)

Premium as owner-occupier (Inc IPT)

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