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united kingdom

republic of ireland

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 I, II or II* listed properties covered (A, 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

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    angel risk management
    Ground Floor, Marlborough House,
    Victoria Road South,
    Chelmsford, Essex, CM1 1LN

    telephone +44 (0)1245 343630

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    AXA XL
    20 Gracechurch Street,
    London, EC3V 0BG

    telephone +44 (0)20 8442 0000
    fax +44 (0)20 8442 0000

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