When a property becomes empty, for instance when the owner has died, it can be very difficult to obtain cover because most insurance companies do not wish to insure homes that are unoccupied. Worse still, the very few providers of insurance for empty homes will not usually consider properties for sale because they are aware that the insurance will be cancelled after just a few weeks or months.

We can usually offer comprehensive insurance (very similar to an ordinary household policy and includes cover for theft, vandalism, subsidence, storm, flood and fire etc). However, in exceptional circumstances cover is restricted to "FLEA" which is just Fire, Lightning, Explosion, Impact by Aircraft and (usually) Property Owners Liability". Some of our clients choose this cover because it is normally much cheaper than comprehensive cover (around half of the cost). We offer you the choice of this cover in our form below.

Policies are available for 90 days, 182 days, 273 days and 12 months.

If you don't like to complete forms and would like us to contact you, please click here to email us your name and telephone number. If you would like us to supply a written quotation, please complete the following form.

Please fill out the form to obtain a quotation.This form works with Google "AutoFill".

Some assumptions have been made. Please click here to see what they are.

ABOUT YOU
Your name : First name .....................Surname
If you are acting for the owner, advise their name : First name .....................Surname
Your business name, if any:
Your postal address line 1:
Address line 2:
Town or City:
Postcode:
E-mail:
Daytime telephone :
Best time for us to phone you: (Mon to Fri)
Owner's date of birth
Please describe the owner's occupation (aside from property owner):
ABOUT THE PROPERTY TO INSURE
Address line 1:
Address line 2:
Town or City:
Postcode:
What sort of property is this?
How long has the property been empty for?
What is the construction of the walls?
Construction of the pitched roof, if any?
What percentage of the roof is flat? %
What is the construction of the flat roof, if any?
Please advise the re-building cost £ Click here for a calculator
Which year was the property built?
Is it a "listed" property
Does it have 5 lever mortise deadlocks on all final exit doors and key operated locks on all accessible windows Double-glazed doors with multi- point locking are also acceptable
How many bedrooms does the property have?
Will it be inspected every 2 weeks ?
Has the letterbox been sealed?
Has the area ever been flooded?
Is subsidence cover required? Not available if the property or surrounding area, been affected by subsidence, landslip, heave or settlement
Contents sum insured £ Leave blank if not required
How much excess would you prefer?
How long do you require insurance for ?
Have you had any claims in the past 5 years?
If there is anything we have failed to ask but could affect your quotation, please enter details in the area below. This will help us give you a more accurate quotation.
Would you prefer COMPREHENSIVE cover or the cheaper "Fire, Lightning, Explosion and Impact by Aircraft (FLEA) cover? Both policies usually include property owners liability.

Comprehensive is not always available.

 

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