Our Unoccupied Property Insurance is Quick and Easy

For Solicitors • Probate • Executors • Power of Attorney

Arranging Unoccupied Property Insurance can be time consuming, with lots of questions you may not know the answers to. Also, the cover you receive may be restrictive, expensive, and can normally have lots of terms and conditions that you have to meet.

Well, at Unoccupied Direct, we are different!

Our insurance provides one of the widest covers available, with no inspection requirements, and comes with a whole host of unique features and covers as standard.

You’ll also be surprised at the price.

We’ve been in this business for 20 years and understand that Unoccupied Property Insurance doesn’t need to be as arduous as it can be. That’s why we offer the following for every property, no matter what it’s history or what its built of:

  • Guaranteed to cover EVERY residential property in the UK, up to seven bedrooms – no matter what
  • No long winded questions - just four simple pieces of information
  • Affordable prices with 12 month 0% interest free Direct Debit
  • No excess to pay in the event of a claim
  • 3, 6, 9 and 12 month policy options
  • Buildings cover £1m standard, to safeguard against under-insurance – no need to worry about rebuilding costs
  • Contents cover £10,000 free – higher amounts available
  • No inspection requirements
  • Widest cover provided, see below for full details
Our Insurance Covers the Buildings and Contents for Loss or Damage Caused by:
  • Fire, Lightning, Earthquake, Explosion
  • Storm, Flood, Weight of Snow
  • Escape of Water
  • Escape of Oil
  • Theft or Attempted Theft
  • Riot
  • Malicious Damage and Terrorism
  • Collision by Aircraft, Animals and Vehicles
  • Falling Trees, Lampposts or Telegraph Poles
  • Breakage or Collapse of Satellite Equipment and TV Aerials
  • Subsidence, Landslip or Heave
Contents Cover also Includes as Standard:
  • Full Accidental Damage Cover
  • £5,000,000 Legal Liability as Occupier
  • £10,000,000 Accidents to Domestic Staff
Buildings Cover also Includes as Standard:
  • Full Accidental Damage Cover
  • Nest Removal
  • Underground Services for Pipes, Cables and Sewers
  • Loss of Rent
  • Trace and Access
  • Additional Expenses for Architects, Engineers and Debris Removal
  • Landscaped Gardens
  • Fire Extinguisher Expenses
  • Emergency Access
  • Closed Circuit TV Systems
  • Fly Tipping
  • Index Linking
  • Buyers’ Benefit for Anyone Buying the Property
  • £5,000,000 Property Owners’ Liability
  • £5,000,000 Legal Liability as Occupier

Unoccupied property insurance is only available where the owner has passed away or retired to a nursing/care home.

For peace of mind, if the home has been put on the market for sale following the above, we are happy to offer cover as well.

Full details of the cover can be found in our policy wording, just click the file below.

Our guarantee to offer a quote is available for every UK residential property, up to seven bedrooms and where the rebuild cost would not normally exceed the £1m policy cover provided.

Frequently Asked Questions

It is vital to obtain the correct insurance from a specialist in unoccupied property insurance such as ourselves. If you do not do this then you will more than likely not be paid in the event of a claim or have any claim payment hugely reduced. As an example you could be easily looking at costs of over £30,000 on an escape of water claim.

There is no legal requirement to insure an unoccupied property, however if there is a mortgage on the home then it would be a condition of the mortgage to ensure the buildings are continually insured against certain risks. If you are an executor of an estate, it is your legal responsibility to look after that estate to the best of your ability, therefore correctly insuring the property will be one of your duties.

This depends hugely on who you insure with. Some supposed specialist insurers only offer fire cover, and some offer full cover, as with a home insurance, but with high excesses and stringent terms. To ensure you are correctly and safely covered, get a quote from us, as we provide all the cover you may need and at a price you will like.