From short term to long term vacant, with or without works, we love it all.
This is for properties that are vacant due to a new purchase, renovation plans or properties up for sale. We specialise in making unoccupied insurance simple to understand and quick to quote. Whether it be a new residential house being renovated or a large commercial risk we can find an insurer to quote.
We also have products for risks where lenders have specialist requirements such as:
- Non Vitiation & Non Invalidation
- 1st Loss Payee
- Co-Insured
Unoccupied insurance can be complex due to a long list of conditions and endorsement you must undertake. There are also a variety of cover options available so we take the time to understand your needs to offer the best solution. Type of Unoccupied Risks include:
- Vacant Possession Purchase
- Commercial Property being renovated or converted into residential
- Mixed use i.e. part unoccupied/part occupied
- Moving out of your main home for major renovation works
- Unable to replace tenants within your current policies unoccupancy time frame
- Mixture of New Build & Renovation to Existing Buildings
We have short term products available for flips & auction purchases too. This can be day by day or month by month.
We can also cover specialist JCT requirements such as joint name policies, contract works & existing structure and Non-Negligent Liability.