Cover Details

Insurance for Unoccupied Residential Properties cover can include:

• Fire, Lightning, Earthquake, Explosion Cover
• Subsidence Cover
• Escape of Water Cover
• Theft and Malicious Damage Cover
• All Other Perils Cover
• General Excess
• Escape of Water Excess
• Subsidence Excess
• Properties Undergoing Structural or
• Non-Structural work Acceptable
• Property owners liability up to £5,000,000

We have three levels of cover available for Unoccupied Residential Property Insurance.

Level 1

• Fire, lightning, explosion, earthquake or aircraft
• Subsidence, ground heave or landslip (unless specifically excluded at quotation stage)
• Property owners liability up to £5,000,000

Level 2

• Full Standard cover with cover limited for theft, malicious damage and escape of water to £2,500 Subsidence, ground heave or landslip (unless specifically excluded at quotation stage)
• Property owners liability up to £5,000,000

Level 3

• Full Standard cover including theft and malicious damage
• Subsidence, ground heave or landslip (unless specifically excluded at quotation stage)
• Property owners liability up to £5,000,000

Max Building Sum Insured

£1,000,000 — If you require a higher amount, please contact us.

Please note the importance of entering the correct rebuild sum insured as this will affect any claim payout.

When you're looking at a quote for Unoccupied Property Insurance, it's really important to check that the sums insured and the limits of indemnity are enough for your needs. If they aren't, and a loss occurs, your insurer might apply the 'average' condition. This means any claim payout could be reduced in proportion to the under-insurance.

For instance, if your insurance only covers half the cost of rebuilding your property, you'll only get half the cost of repairs or replacements. So, it's a good idea to review your sums insured and make sure they're adequate for the next insurance period. You can find more details about the 'average' clause in your policy document.

Excess

The excess amount will vary depending on the chosen level of cover. Additionally, you have the option to add a voluntary excess to your policy, which may reduce the premium.

Level 1

£100 excess and £1,000 excess for subsidence

Level 2

£100 excess, £500 excess in respect of escape of water and £1,000 excess for subsidence

Level 3

£100 excess, £500 excess in respect of escape of water and £1,000 excess for subsidence

Claims

Please refer to our claims page.

Insurance Product Information Document

Please refer to your policy documentation for detailed information regarding your insurance product. You will receive the document at the time of purchasing your Unoccupied Property Insurance cover.

However should you need an additional copy, please do not hesitate to contact us