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

useful documents

policy summary

level 2 peril endorsement

level 3 peril endorsement