Unoccupied Property Insurance

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:-

• 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). 

• 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)

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