Unoccupied Property Insurance: why we don't require inspections

Our insurance is designed so that it’s much easier for solicitors and executors to insure unoccupied properties on behalf of their clients. It’s also suitable for clients to insure their own homes through us directly, when moving into care or back in with family members.

 

We’re different from many other unoccupied home insurance providers, in that we don’t require any proof of inspections to provide cover for a property. It may seem a bit too good to be true, but we don’t see it as an essential requirement - it can be highly inconvenient to have to return periodically to a property. Plus, as the solicitor with a duty of care, you may not be located near to the property being covered, or have to arrange for someone else to carry out the inspections.

 

Due to the particularly niche nature of our insurance, we’re aware that our customers do not always know the full extent of the information regarding the property either. As such, we have created our product with ease of use in mind, with just four questions being asked about the property to be covered:

  • Postcode
  • Approximate year of construction
  • Number of bedrooms
  • Type of property (closest match)

Many standard home insurance policies will cover the property for around 30 to 60 days before the cover becomes void or reduced. As our product is designed for properties that may be unoccupied for longer periods of time, the cover can last for 3, 6, 9 or 12 months, whichever is most suitable. Plus, we’re aware that circumstances can change unpredictably, so we offer pro-rata returns on all 9 and 12 month policies.

 

Whilst inconvenient for solicitors, we felt it particularly unnecessary to ask our direct customers to keep checking back to the property - particularly at a time when they’ve got much bigger concerns on their minds, such as moving a beloved family member into care, or waiting for probate to be granted and the estate to be administered to any beneficiaries. Not requiring inspections simply means that more time is spent on more important things.

 

unoccupied-insurance-no-inspections-in-winter-smaller

As usual, terms and conditions apply, and you can find more information, including all the details of our product at: www.unoccupieddirect.co.uk. Alternatively, send an email to one of our team members, and we’ll be more than happy to help with any queries: bdms@unoccupieddirect.co.uk.

 

Unoccupied Direct is a trading name of Unoccupied Direct Limited, who are authorised and regulated by the Financial Conduct Authority under Firm Reference Number 797627. Registered in England and Wales. Reg No. 10621712. Registered address: 4 Old Park Lane, London, United Kingdom, W1K 1QW.

 

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