• You’ll have a dedicated adviser who can help you identify exactly what you should insure, so you’ll never pay for cover you don’t need.
• With our years of experience, and access to a vast panel of insurers, we’ll be able to find you the best policy at the most competitive price.
• If the worst happens and you need to make a claim, our experienced team will support you through the process, making it run as smoothly as possible.
Most home insurance policies state that your property must not be left unoccupied for more than 30 consecutive days.
After this period, insurers consider there to be a higher risk of problems such as squatters, burst pipes, fire, theft and malicious damage.
If your home is going to be left for longer than 30 days, you’ll need to take out unoccupied cover.
There are many different factors that affect the cost of unoccupied cover, including:
• How long the house is likely to be unoccupied for.
• The contents of the house.
• The age of the property.
• Its location.
• How often the house will be inspected.
• Security features.
Because we take the time to get to know our customers and their requirements, we can make sure that the unoccupied cover you buy is costed on the specific risk you and your property poses – not on the general risk of unoccupied homes.
Call us today on 020 8308 4344 for help finding a policy tailored to your individual risk.
Some insurers can extend to cover Wider Perils, including Smoke, civil commotion, damage by trees/lampposts etc and damage to underground services for unoccupied property cover. Contact us on 0208 308 4344.
When a property is unoccupied it is normally a condition in the policy that mains water is turned off to avoid burst pipes. Contact us on 0208 308 4344.
A home becomes unoccupied if it has not been lived in for more than 30 consecutive days, or is not furnished for full habitation, or is not resided in for a total of 180 days or more during the period of insurance. Contact us on 0208 308 4344.
The precise cover will depend on the policy you take out, but typically you can expect a residential unoccupied policy to cover:
• Damage to the building as a result of storm, flood, fire and theft.
• Your liability for damage caused to third parties by the property, e.g. if a slate blew off the roof and damaged a neighbour’s conservatory.
You won’t have to take out a full 12 month policy. Most insurers will offer shorter policies, for example, for 3, 6 or 9 months, with the option to extend if necessary.
• Advise your local council that the property is empty as it may reduce your council tax bill.
• Place any high value items in storage.
• Inspect the property on a regular basis, and remove post from view.
• Install timer lights.
• Inform regular suppliers that you are away.
• Consider employing a gardener (an unkempt drive or garden is a give-away for an unoccupied property).
• Make sure the house is secure – fit and use window and door locks, and consider installing a burglar alarm.
• If the property is only empty while you seek a new tenant, consider taking out landlords insurance
Looking for our expertise in insurance?
Send a message or call 0208 308 4344