Residential Unoccupied Properties

We have a wealth of expertise in underwriting unoccupied property risks. We understand the specific requirements for vacant Residential properties or Commercial premises with Residential accommodation.

Key Features

  • Level 1 – Fire Lightning Earthquake Explosion & Aircraft (FLEEA) only + Property Owners Liability (POL)
  • Level 2 – Full Perils + POL
    • FLEEA with Storm, Flood and Weight of Snow, Escape of Water, Escape of Oil, Theft or Attempted Theft, Collision, Malicious Damage, Subsidence, Falling Trees.
  • Buildings and Contents cover available
  • Properties undergoing alteration or repairs
  • Properties in Probate/to be let/for sale
  • Pro rata return of premium upon cancellation
  • Cover for anyone buying the property until the sale is complete or the insurance ends

Damage to the property caused by the attendance of the emergency services (limited to £1,000 any one Period)

Target sectors

Our product is able to accommodate a broad range of unoccupied premises that could be vacant due to renovation or undergoing other work, awaiting sale and/or pending let.



  • Maximum sums insured is £5,000,000 any one risk
  • Property Owners Liability up to £5,000,000 any one risk

Unacceptable Risks

  • Thatched properties
  • Any property with Japanese Knot Weed
  • Grade 1 or A Listed Properties
  • Construction with Asbestos
  • Wimpey No Fines Construction
  • Demolition Works

Contact us

Are you a broker? If so, please do not hesitate to contact us by filling in the form below