Quotation Request

Unoccupied Probate Property Insurance NEW

About
Property Details
Cover
Declaration
Hidden Calculations
Introducers

About

Unoccupied Probate Property Insurance

Get a quote online in a couple of minutes.
If you've had a quote or bought a policy previously, please login before proceeding.
Please confirm that you will answer all these questions accurately, to the best of your knowledge and most importantly, honestly.
Failure to do so could mean we don't pay a claim, amend the terms of your policy, or in the case of deliberate non-disclosure treat this policy as though it never existed.
Is the property in probate?
The process of probate starts as soon as someone has passed away.
Is anyone living in the property?

As the property is not in probate this product is not suitable for you.

But don't worry, we have another product suitable for insuring unoccupied property.

You can get a quote by clicking here.













This product is for unoccupied property in probate only

As the property is currently occupied this product is unsuitable for your needs.

But don't worry, we can still provide a quotation. Please click here to arrange a call back from a member of the SJL Insurance broking team.














Are you the lead executor?
Question hidden 01/03/24, can be deleted from 01/03/25
Please can you confirm the full name of the Lead Executor or Administrator?
What is the Lead Executors or Administrators Date of Birth?
Please add the date of birth for the lead executor.

About you

What is your Name?
What is your Date of Birth
What is your correspondence address?
To search for an address, please enter the postcode.
What is your email address?
If you already have an account, please login at the top of the page.




What is your phone number?
It is unlikely we will need to call you. But if we do, what is the best phone number to contact you on?
I agree to Insuristic sending me occasional tailored emails on other relevant products, news, tips and exclusive offers.

Property Details

Has the property been in probate for longer than 14 days?
What is the address of the property to be insured?
Enter the postcode of the property to be insured and click get address to select the property from the list. If the property is not listed you can add manually.
To search for an address, please enter the postcode.
Is there any previous or future commercial use at the building this flat is part of?
The building includes this flat and any other flat or commercial unit that forms part of this building including any unit above or below
Please can you provide details:
Has there been any previous commercial use or is there any future planned commercial use at the property as a part of a business, trade or profession?
Please can you provide details:
Do you know the cost of rebuilding the property?

If you know your rebuild cost, this is the best and most accurate way of obtaining a competitive quotation. 

Underinsurance can be a major issue if your property is not insured for the correct amount, so you should ensure any rebuild cost you are using is accurate.


The rebuild cost needs to factor in:

  1. The costs of demolishing and clearing away what’s left of the original property;
  2. Fees for professionals, such as architects and surveyors; and
  3. The cost of the materials and labour needed to rebuild the property to the same standard as it was before a loss.

 If you need help:

  1. The Building Cost Information Service (BCIS) provides a free online calculator to help you check the adequacy of your building sums insured.  You can find it here.
  2. For a more accurate property rebuild valuation you can obtain a rebuild valuation from BCH for £115 +VAT here. Please note that this is an independent valuation.

If you do not know your rebuild cost, or you are not sure the figure you are using is accurate, answer ‘No’ to this question.  In this situation we can quote based on the number of bedrooms giving a sum insured of up to £750k.

This policy is for buildings with a rebuild cost not exceeding £750,000. Cover is automatically included up to £750,000. Is the property rebuild value higher than £750,000?
Buildings Sum Insured
£
Are the walls built only with Brick or Stone?
What are the walls made from?
What are the walls made from?
Is the roof finished with slate, tiles, concrete or asphalt?
What is the roof made from?
What is the roof made from?
Is any part of the roof flat?
Will the flat roof be inspected at least once every 5 years by a competent roofing contractor and any recommendations implemented?
Question hidden 01/03/24, can be deleted from 01/03/25
If the property was built before 1800, what year was it built?
Is the property a listed building?
A building is listed when it is of special architectural or historic interest considered to be of national importance and therefore worth protecting.

In England & Wales you can search The National Heritage List to find out if your property is listed. Alternatively, you can contact your local authority.  

Are there any plans to renovate the property during this period of insurance?
We don't need to know about general painting and decorating.
Will these renovations involve structural work or any demolition?
If you are removing a wall, making changes to the roof, or extending or demolishing any part of the property you must answer yes.
Structural work is defined as any changes to the roof or any load bearing walls
Please can you provide more information on the renovation work?

We will need to refer your circumstances to our underwriter, so please provide as much information as you can including:

  • What work are you having done, including details of any structural work or extensions to the property
  • What is the total value of the project?
  • When is the work planned to start?
  • When will the work end?
  • Do you have planning permission?

Cover

Here is an overview of the Probate Property Insurance Cover you can buy:

Bronze Covers only claims caused by fire, lightning, earthquake, explosion, and aircraft (FLEEA).

Silver Extends the cover provided by Bronze to only include:

  • Subsidence, flood, vandalism, impact, leakage of fuel, escape of water, and theft or attempted theft.
  • Claims caused by malicious damage, escape of water, or theft or attempted theft are limited to £3,500.

Gold Is our top level of cover. It extends the cover included in Silver, removing the £3,500 claims cap on malicious damage, escape of water, or theft claims. Please note:

  • The maximum amount payable for claims is the sums insured listed on your policy schedule.
  • If water systems cannot be isolated and drained down, the maximum claims payment following an escape of water is £5,000.

Each cover level also includes Property Owners Liability at £2,000,000. Full details of the cover provided can be found in your quotation documentation.

Important Please Note: If you are purchasing either our Silver or Gold cover and water systems cannot be isolated and drained down, you must comply with the "Winter Escape of Water Condition" (General Condition 7) in the policy wording, which applies between 1 October and 31 March. The condition requires you to:

  • Leave the heating on continuously and not set less than 15 degrees Celsius.
  • Ensure that, where fitted, the loft hatch door is left open.
Would you like to include contents cover?
Contents are any items in the property not fixed to the property.  For example, a fitted kitchen is insured under your buildings, whereas a freestanding fridge should be insured under contents.
This cover excludes any individual items with a value in excess £1,000. All valuables (such as collections, art and jewellery) are excluded and should be removed from the property.
What is the cost of replacing all of the contents within the property?
£
What is the name of the Insured?

The Name the Insured for Probate should be either:

If there is a will: The Executors of the estate of 'Name of the Deceased'

If there is no will: The Administrators of the estate of 'Name of the Deceased'

The insured name should not be an individual or beneficiary.

Is the Insured a permanent resident of the United Kingdom?
Does the insured have a UK passport?
Does the insured have a UK bank account?
Does the insured have a UK representative that can manage all property inspections and any incidents that may arise at the property?
When would you like the policy to start?
The start date of the policy cannot be more than 30 days in advance of today

Declaration

Is the property currently in a good state of repair?
In the event that insurers rely upon the answer to this question, anything that you were not aware of or should not have reasonably known could not be considered.
By good state of repair we mean; is the property structurally sound, wind and water tight with no obvious faults and not derelict.
Since taking responsibility for the property as the executor or administrator have you had insurance cover in continuous force?
As you have not had cover in continuous force any loss or damage caused by Storm, Flood or Escape of Water will not be covered for the first 7 days of the policy.

Please also note that the policy will not cover loss or damage caused by subsidence, ground heave or landslip which originated prior to the inception of the policy regardless of whether this damage was known about by you. If any proportion of the damage is found to have occurred prior to inception of the risk we will not cover any damage arising from that event.

Can you confirm the property has been inspected in the last 7 days and there is no damage that could give rise to a claim, which has occurred before the intended inception date of the policy?
Does the property have locks on all exterior doors and on all accessible windows?
Are there any visible signs of stepping or cracking in the walls of the buildings?
Are the cracks wider at one end than the other?
Do the cracks exceed 2 millimetres in width?
Is there anything else you are aware of which could result in an increased risk of damage to the property?
Please provide the information that you are aware of which could result in an increased risk of damage to the property
Have you provided Insuristic with honest and accurate answers to all questions asked?
I understand that if I have failed to do so, my cover may be limited, claims payments proportionately reduced or my policy rendered invalid.
Have you provided Insuristic with a fair presentation of the risk and have taken care when answering any questions asked by ensuring that all the information provided is accurate and complete?

A fair presentation is one which clearly discloses in a clear and accessible manner all material facts which I and any senior management within my business ought to know following a reasonable search of the business for this information. 

I understand that if I have failed to do so, my cover may be limited, claims payments proportionately reduced or my policy rendered invalid.

Hidden Calculations

Cancellations

 

Short Term Policies

Short Term Months
Short Term Policy Discount
£
 

Commission

SchemeServe Agent ID
Agent Email
Agent Commission Percentage
Agent Commission
£
 

Producers

Producer?
Producer Name
Producer Commission Percent
Producer Commission
£
 
PostcodeSpace
PostcodeNoSpace
PostcodeLetters
PostcodeArea
SubsExcluded
If subs is excluded this field will populate with the text 'ExclSubs'

A rule has been set up that will refer the quote if this text is present
FloodReferral
If the property is located in a flood area this field will populate with the text 'Flood Refer'

A rule has been set up that will refer the quote if this text is present
Notional Buildings SI
Indicates if the Buildings SI is on a Notional basis
 
CanopiusUMR
Used to store the Canopius UMR / binder ref - can be updated in the future within the rules using date conditions to ensure the correct UMR is set which can then be dynamically populated to documents and reports
Policy Number Prefix
Policy Number
Policy Wording
Welcome Email Sent?
Will only be sent for Direct cases

Introducers

Introducer 1

Introducer 1 Name
Introducer 1 ID
Introducer 1 Commission Percentage
Introducer 1 Commission
£
 

Introducer 2

Introducer 2 Name
Introducer 2 ID
Introducer 2 Commission Percentage
Introducer 2 Commission
£
 

Introducer 3

Introducer 3 Name
Introducer 3 ID
Introducer 3 Commission Percentage
Introducer 3 Commission
£