About Unoccupied Properties
Unoccupied Properties (Commercial and Residential)
Reasons for unoccupancy:
Part Unoccupied Properties, Awaiting Sale or Let, New Purchase, Undergoing Renovation, Awaiting Planning Permission, Probate.
Limits
- Maximum Property sum insured £3,500,000 (any one risk)
- Property Owners Liability with £1,000,000, £2,000,000 or £5,000,000 limits available
About our Product
Cover
Buildings
Contents
Periods
3, 6 & 12 month policies available with pro-rata returns (subject to terms & conditions)
About our Product
Perils
(Cover can be restricted to Fire, Lightning, Aircraft, Explosion and Earthquake with no excess)
Fire and resultant smoke damage, lightning, explosion or earthquake
Aircraft and other flying devices or items dropped from them
Storm, flood or weight of snow
Escape of water from any tank, apparatus or pipe
Escape of oil from a fixed domestic oil-fired heating installation
Theft or attempted theft
Collision by any vehicle or animal
Malicious damage, riot, violent disorder, strike, labour disturbance, civil commotion
Subsidence, heave or landslip
Falling trees, telegraph poles or lamp-posts
Breakage or collapse of fixed radio and television aerials, fixed satellite dishes and their fittings and masts
Property Owners Liability
About our Product
Key Extensions
Expenses – Architects, Surveyors, Consulting Engineers & Legal Fees – Maximum amount 15% of the Building Sum Insured
Sale of Buildings
Landscaped areas following damage caused by emergency services – Maximum £1,000 in any period of insurance
