Unoccupied property insurance for solicitors, local authorities and charities

Many standard household policies restrict cover or even automatically cease cover when a property becomes unoccupied. Our solution is wholly focussed on insuring empty properties and offering a product without unnecessary terms.

We work alongside hundreds of solicitor firms and a number of Local Authorities and charities each year, and have been insuring residential and small unoccupied commercial properties, for them and their clients, for over 20 years.

Our services can support you and your clients

> Probate solicitors, Deputies, Attorneys, Surveyors, Conveyancers
> Anyone with the responsibility for a property where there is a period of unoccupancy
> Family members where they have been appointed as a Deputy or Attorney for elderly, infirm or disabled relatives
who have been taken into care
> Local Authorities and Charities with the responsibility for property, where an elderly, infirm or disabled
home owner has been taken into care
> Charities responsible for properties left to them as part of a legacy or bequest

Designed with unoccupied properties in mind

Some insurers put in place stringent terms ("Unoccupied Warranties") which must be enforced before they will provide cover. Guardcover offers a product without unnecessary terms to comply with, often removing the need for continual visits to the property (in most cases).

We understand that it's not always possible to carry out weekly property inspections, or indeed practical to switch off all utilities and drain down heating systems. We try to reduce the need for these conditions as much as possible and, in most cases, there isn't a need for inspections to take place.

However, if you can comply with these additional terms we offer discounts off your premium, which is possibly the most flexible and unique solution available for the cover you need.