unoccupied property
Insurance for unoccupied property located in the UK with the option for three different levels of cover – Level 1 (FLEEA), Level 2 (Extended perils) and Level 3 (All risks, as defined in the policy wording).
product overview
- Rebuild value up to £2,000,000
- Property Owners Liability up to £5,000,000
- Minimum excess £1,500
- Day one uplift – 15%
- Contents limit up to £25,000 can be included
- Minimum rebuild value £100,000
- Minimum premium £150
- Select your own commission up to 22.5%
- Grade II or II* listed properties covered (B or C in Scotland)
- Properties built prior to 1900 considered
- Coverage periods of up to 6, 9 or 12 months
- Mid term cancellations at pro rata premium (subject to minimum premium criteria)
coverage highlights
- Level 1: Fire, Lightning, Explosion, Earthquake, aircraft impact (FLEEA)
- Level 2: Level 1 plus;
- Storm
- Flood
- Subsidence, Heave or Landslip
- Weight of Snow
- Falling Trees (including felling and lopping) and Satellite dishes
- Collision
- Level 3: Level 2 plus;
- Escape of water
- Theft or attempted theft
- Riot Civil Commotion Strikers Locked-out Workers
- Malicious Persons
- Debris removal
- Fire extinguishment expenses and emergency services damage (including damage gardens and lawn)
- Temporary repairs to secure the premises following damage
- Professional fees to reinstate the building