Quotation Request

Unoccupied Property Insurance NEW

About
Property Details
Cover
Claims
Declaration
Hidden Calculations
Introducers

About

Unoccupied Property Insurance

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.
Why is the Property Unoccupied?

As the property is in probate, please get a quote from our Unoccupied Probate Property Insurance Scheme

We have tailored the questions and policy specifically for properties unoccupied during probate.

To get a quote please click here.
















If other, why is the property unoccupied?

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.
Please provide 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?
You will receive your quotation and policy information automatically via email.

If we need further information from you in connection with your quotation or insurance you purchase, we may need to call you or email you. You can find out more about how we handle your data in our privacy statement that can be found here.

I agree to Insuristic sending me occasional tailored emails on relevant news, tips and exclusive offers.

Property Details

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?
Examples could be where the property has been previously a shop, pub or other commercial building
Please can you provide details:
Do you know the cost of rebuilding the property?
Rebuild cost is usually lower than the market value. It is important you have the right level of cover so you don't end up paying any shortfall in the event of a claim.

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 £100 +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
£
Notional 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?
Hidden on 07/03/24, can be deleted from 07/03/24
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 decoratng.
Are you a property developer?
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 cover you can buy for an unoccupied property:

Bronze is our basic level of cover. It only covers loss or damage to the buildings (or contents if you have chosen to insure this) caused by:

  • Fire, Lightning, Explosion. Earthquake; or Aircraft

This cover is often referred to as FLEEA cover. 

Silver is our mid-range level of cover. It extends the cover provided by Bronze to also include loss or damage to buildings (or contents if you have chosen to insure this) caused by:

  • Storm, Flood, Weight of snow, impact of vehicles or animals, falling trees, lamp-posts or telegraph poles. 

Cover is also provided for:

  • Accidental breakage of sanitary fittings
  • Accidental breakage to underground services which extend from your home to the public mains which you are legally liable for
  • The cost of finding the source of any leaks up to £1000 following an escape of water
  • Breakage or collapse of fixed radio or television aerials, satellite dishes & their masts
  • Increased domestic metered water charges up to £750 following an escape of water.

Gold is our highest level of cover. It extends the cover provided in Silver, to also include loss or damage to buildings (or contents if you have chosen to insure that) caused by:

  • Subsidence, heave or landslip (unless you live in an area prone to this type of damage. If this is the case and the cover is excluded, this will be shown clearly on your policy schedule).
  • Escape of Water or Oil to a maximum of £3,500 for any individual incident
  • Malicious Damage
  • Theft of Attempted Theft.
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.
How much contents cover do you need?
£
What is the name of the Insured?
Please type the names of the insured in full

For example:

  • If it is just one insured, include the title and name in full
  • If the insurance is to be arranged in joint names type both names in full
It is important to add your trading name correctly
  • For a sole trader, the name should include your full name plus the trading name e.g. For example Joe Smith t/a Joe's Property Investors
  • For a partnership, you should show the full names as well as the partnership name e.g. Joe Smith, Helen Smith t/a The Property Investors
  • For a limited company, you should include the company name e.g. Business Name Limited
    • Do you need to add an interested party to the policy?
    Many lenders require their name to be listed on the policy.
    For example then name of the mortgage lender?
    What is the name of the interested party?
    Please check the spelling as this will be displayed on the policy schedule.
    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

    Claims

    Has any policyholder claimed on any insurance policy, or suffered loss or damage which wasn't claimed for, in the last 5 years?
    What type of claim or loss was it?
    When did the claim or loss happen?
    What was the value of the loss or the amount claimed?
    £
    Is a claim payment still outstanding?
    Do you need to add another claim?
    What type of claim or loss was it?
    When did the claim or loss happen?
    What was the value of the loss or the amount claimed?
    £
    Is a claim payment still outstanding?
    Do you need to add another claim?
    What type of claim or loss was it?
    When did the claim or loss happen?
    What was the value of the loss or the amount claimed?
    £
    Is a claim payment still outstanding?
    Do you need to add another claims?
    Please provide details of all other claims:
    Including the dates, the cause of the claim or loss, the value of the loss and if the claim is paid or outstanding.

    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 ownership or responsibility for the property 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?
    Are any of the windows or doors in the property boarded or bricked up?
    Does the property have the following minimum level of security?
    • All external doors are fitted with either:
      • a 5 lever mortice deadlock (conforming to BS 3621); or 
      • if a composite or UPVC type door, a multi point locking system
    • All patio doors are fitted with a central locking device and either:
      • key operated bolts at the top and bottom; or
      • a multi-point locking system
    • all ground floor and accessible opening windows have key operated security locks
    Does the property have locks on all exterior doors and on all accessible windows?
    To the best of your knowledge, has the property ever been underpinned or had foundations reinforced?
    Underpinning involves the strengthening and stabilising the foundations of an existing building. It may sometimes result in a different form of foundation.
    Please can you provide some information?
    Are you aware of the premises being flooded in the past 25 years?
    Please can you provide some information on past flooding?
    We will need to refer this to our underwriters so please provide as much information as you can including when the flood was, what area of the property was affected and the extent of damage caused.
    Is the property within 250 metres of a cliff, quarry or excavation site?
    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?
    Have you, or any director or partner of the business:
    • Been declared bankrupt or been a director of a company which has gone into liquidation or become insolvent within the last 10 years or had any personal or business related CCJ`s.
    • Had any application for property insurance declined or any property insurance policy cancelled or made subject to special terms.
    • Been convicted, cautioned or charged of any offences (other than motor offences and spent convictions under the rehabilitation of offenders act 1974)
    • Sustained any liability claims
    Please can you provide more information?
    We will need to refer your circumstances to our underwriter, so please provide as much information as you can.
    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
    £
    Corin Commission Percentage
    Corin Commission
    £
    Best Commission Percentage
    Best Commission
    £
    Harrisons Commission Percentage
    Harrisons 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
    Introducer1Commission
    £

    Introducer 2

    Introducer 2 Name
    Introducer 2 ID
    Introducer 2 Commission Percentage
    Introducer2 Commission
    £

    Introducer 3

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