Frequently Asked Questions
Click below for answers to our Frequently Asked Questions. If your answer can't be found, contact a member of our team on 0800 316 9842.
- What is unoccupied?
- Our policy definition of unoccupied is;
Any building or portion of a building or an individual residential unit in a building that is;
- No longer being lived in
- Untenanted or between tenants
- No longer used for the intended purpose
- Undergoing minor or non-structural works
- Subject to a repossession
- Who is this cover aimed at?
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- Probate solicitors, Deputies, Attorneys, Surveyors, Conveyancers
- Anyone with the responsibility for property under a sale, or purchase and/or any other legally binding agreement, where there is a period of unoccupancy
- Family members where they have been appointed Deputy or Attorney for elderly, infirm or a disabled relative who has 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
- Do you offer short term cover periods?
- Absolutely – you can choose form a range of policy periods, 1,3, 6, 9 or 12 months
- What if the property is occupied?
- That’s fine, cover is available for occupied property as well including contents cover in certain circumstances.
- How quickly can I obtain cover?
- Call our UK Contact Centre and in most cases, we will promptly provide cover including cover for theft, attempted theft, malicious damage and vandalism.
- How much is the excess (amount I have to pay for in the event of a claim)?
- The standard policy excess of £175 for all classes other than for subsidence claims, which is £1,000 per claim. However this may vary.
- Will the property need to be regularly inspected?
- In most cases there is no requirement to inspect the property. Our scheme differs from many competitors as most require regular visits to the property, which can be inconvenient and costly.
- What types of cover can you provide?
- Buildings and/or Contents and Property Owners liability cover.
- What are the key benefits?
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- Flexible policy terms of 1,3,6,9 and 12 months
- The option of having cover free from any “Unoccupied warranties”; giving you and your clients extra peace of mind
- No inspection requirements (where possible)
- Cover available for many non-standard consutruction types
- Full non-restricted cover available, in most cases
- Security discount available
- Contents cover also available whilst unoccupied alongside Buildings Cover
- Property Owners Liability included