Unoccupied Direct provides unoccupied property insurance for when the owner has moved into a care home, back in with family members, or during probate.
Our product is specifically designed for those arranging insurance for an empty home on behalf of the homeowner. Our unoccupied property insurance can last for 3, 6, 9 or 12 months, with pro-rata returns on all 9 and 12 month policies without claims, less a £20 admin fee.
Insuring an empty house after death or when the homeowner has moved into care can be a complex process, involving lots of paperwork or inconvenient inspection clauses, but at Unoccupied Direct, we’re different. Our empty property insurance provides cover for properties across England, Wales, Scotland and Northern Ireland, so, no matter where the property is located, we don’t require inspections, saving time and often money for more important things.
Many standard property insurance policies may not provide cover for when the home is unoccupied from 60 to 90 days, or sometimes less. We make it especially straightforward to obtain insurance in the event that the homeowner cannot do this themselves, for longer periods of time, as well as providing short-term unoccupied property insurance, such as during probate or estate administration.
We make it hassle-free to provide unoccupied property insurance where the property owner is deceased, in order to protect what is often the largest part of the estate, with an experienced customer service team on hand to help at every stage of the process.
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.
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.