Unoccupied Property Cover
Clear information about unoccupied property cover, what to consider and the next steps before requesting a quote.
What is Unoccupied Property Cover?
Unoccupied Property Cover is intended to protect specified property-related risks, subject to the insurer’s policy wording. The exact insured events, property eligibility, sums insured, excesses and exclusions vary between products.
Who might consider this cover?
This type of cover may be relevant where you own, occupy, let or are responsible for a property or its contents. The correct basis of cover depends on the property, how it is used and the risks that need to be insured.
Key things to understand
Tell the insurer how the property is occupied and used, including letting arrangements, vacancy and any business use.
Check exactly which property, fixtures, fittings and contents are included and the basis on which claims are settled.
Buildings cover normally needs an appropriate rebuild value rather than simply the market value. Contents and other limits should also reflect the amount at risk.
Locks, alarms, construction, maintenance, flood/subsidence history and other property features can affect cover and terms.
What to check before arranging cover
Check the quotation, policy wording, schedule and any endorsements together. Pay particular attention to eligibility, insured events, exclusions, excesses, limits, waiting or deferred periods where applicable, and any conditions you must follow. The exact cover is determined by the insurer’s documents, not by this general website information.
Information we may need for a quote
The details required depend on the product. We may ask about the person, property or business being insured, the cover required, previous insurance and claims, and other information relevant to the insurer’s questions. Please provide complete and accurate information and tell us if relevant circumstances change.
Common questions
Does every policy provide the same cover?+
No. Insurers can use different definitions, limits, exclusions, excesses, eligibility rules and policy conditions. Compare the quotation and policy documents that apply to the cover being considered.
Will everything described on this page be covered?+
Not necessarily. This page gives general information only. The quotation, policy wording, schedule and endorsements confirm the actual cover and conditions.
What information will I need for a quote?+
The information depends on the product and insurer. We will tell you what details are required for the particular enquiry.
What happens after I make an enquiry?+
Tell us the type of cover you are interested in and provide the requested details. We can then explain the next steps and the information relevant to the available quotation.
This page provides general insurance information and is not a policy document. Cover is subject to insurer acceptance, eligibility and the terms, conditions, exclusions and limits of the policy offered. Read the relevant product and policy documents before deciding whether to proceed.
Ready to make an enquiry?
Tell us which cover you are interested in and we will explain the information needed for the next step.