Details and documents - Unoccupied property insurance

If the property is left unoccupied for more than 30 days at a time than this product may be suitable for you. This unoccupied property insurance policy is available for purchase online.

More key features

• Cover for renovations - if you are decorating the kitchen or bathroom, need new plumbing, central heating, alterations to non load-bearing walls, extensions and re-wiring
• Theft from garages and other outbuildings for up to £500
• No single article limit
• Escape of water (for example burst pipes)
• Storm or flood damage
• Fire or smoke damage
• Flexible policies for 3, 6 , 9 and 12 months at a time
• Protection against vandalism
• Cover for damage caused by water or subsidence
• Total value of contents can range from £1,000 to £15,000
• Property owners liability cover of up to £2 million

Protections clause

We will not be liable for loss or damage by theft or attempted theft from the property unless the following security devices are fitted:

• A lock approved to BS3621 standard
• A mortise deadlock of at least 5 levers or a rim-automatic dead-latch with a key-locking handle on the inside or a key-operated (see tips and advice for more information) multi-point locking system with at least three fixing points and a lock cylinder with at least five pins to the main entrance door
• Key-operated security devices, top and bottom, in addition to existing locks or a lock to the standard described in above to all other external doors, except sliding patio doors
• A key-operated patio door lock mounted internally on the center rail(s) or protection to the standard described above
• Key-operated security devices to all opening windows and skylights on the ground floor

Policy documents

• Unoccupied insurance policy summary (PDF 34.4kb)
• Unoccupied insurance policy wording (PDF 187kb)
• Terms of business (PDF 80kb)