Theft, vandalism and water damage cover is now available
for your unoccupied building.
Unoccupied
properties have traditionally been difficult to insure due
to insurance companies taking a
very risk averse view to empty properties.
This is because the probability of it
becoming vandalised, broken into or occupied by squatters
increases greatly. Likewise a burst pipe going
undiscovered for a significant time causing serious damage
is a real possibility. Property Owners are now able to
compare quotes for vacant property insurance from panel of
insurers offering very competitive rates.
Click here for an instant quotation
and cover.
Properties can become vacant for any number of reasons.
For example; pending sale, upon death and being subject to
probate and if a property is being
let out and there is a void period whilst new tenants are
being sought or the property is being prepared for
reoccupation. During this period
Clover Insurance Services can provide you with the policy
you need for your peace of mind.
We can
offer insurance for your unoccupied property that can
include theft, malicious damage, storm and escape of water
and it doesn't have to cost the earth. Take a look at
the three levels of cover on the right to see how you can
get cover not usually available.
Get an immediate quote and go on cover now!
Advice for owners of empty properties*
Property
owners should be aware that most household insurance
companies will drastically reduce cover for empty properties
or even withdraw cover completely. Important covers
such as such as escape of water, theft and malicious damage
are very often unavailable. At Clover Insurance
Services offer specialist empty house insurance policies,
providing you with the cover that other insurers will not
give.
Tell your
Insurance Company
When your
property becomes empty for whatever reason, you must
immediately inform your insurance company as this is a
"material fact" and can affect your cover. It may be
that failure to advise them can leave you completely
uninsured as they make consider your policy to be
invalidated. Once they have been notified, they may then
decide to further restrict cover, or not to invite renewal
of the policy at all. This is where Clover Insurance
Services van advise on a more suitable product for your
needs giving you a greater level of cover than you might
otherwise have been able to get.
Don't leave any valuable items on the
premises
As most policies will
exclude theft of contents once a home is unoccupied for an
extended time, it is vital that all valuables are removed
from the home immediately. However, a property that has been
devoid of all furnishings during the longer term (over 3
years) can be very difficult to insure, so some insurers
recommend leaving basic furniture in the property to make it
appear occupied.
Make sure the
property is secure
Make sure that all window and door
locks are in use and any potential entry points are
protected. If the house has an alarm, ensure that it is set.
It is also a good idea to seal the
letter box if the house is going to be
empty for a long time. This can help reduce the risk
of entry by vandals, arsonists and
squatters..
Heating
Either drain down the water system in the home completely,
so that the risk of damage caused by escaping water is
removed, or ensure that the
heating is maintained on a frost alert setting, or to a
temperature of 15 degrees centigrade.
This will reduce the risk of water freezing and causing
burst pipes during sudden falls in
temperature. You can also open the
loft hatch slightly to reduce the risk of your water tank
freezing.
Regular inspections
Some
insurers will agree to cover an empty property provided you
can guarantee to have the property inspected by an
authorised adult on a regular basis. Written records of each
inspection, which should be internal and external, must be
kept, so that in the event of a claim, these can be produced
to verify the times of the inspections.
Turn
off unused services
Mains
services which are left switched on but are unused will
increase the risk to your unoccupied house or building.
Therefore any services not being used to heat or secure the
property should be switched off.
*The
above suggestions for protecting your empty property are
given as general "common sense" guidelines and Clover
Insurance does not imply that they are exhaustive or
acceptable to all insurance companies. No liability
for reliance on this advise is accepted and you should
always check your policy for full details of conditions
applying to your vacant property. |
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You
can
choose from 3 levels of cover
for empty property insurance, compare quotations from our panel of
specialist insurers and go on cover now. Typically cover can include the
following:
The cost of repairing or rebuilding the
property following loss or damage to your house by the
following specific perils:
-
Fire, lightning, explosion or earthquake
-
Aircraft and other flying devices or
items dropped from them
-
Subsidence, heave or landslip
Click here for an option 1 quote and
cover.
The cost of repairing or rebuilding the
property following loss or damage to your house by the
following specific perils:
-
Fire, lightning, explosion or earthquake
-
Aircraft and other flying devices or
items dropped from them
-
Collision by vehicle or animal
-
Storm, flood or weight of snow
-
Breakage or collapse of fixed radio &
television aerials, satellite dishes & their fixtures
and fittings and masts
-
Escape of water from, and frost damage
to, fixed water tanks, apparatus or pipes
-
Escape of oil from a fixed domestic
heating installation and smoke damage caused by a fault
in any fixed domestic heating installation
-
Subsidence, heave or landslip
-
Falling trees, telegraph poles or
lamp-posts
-
Accidental breakage of sanitary fittings
-
Accidental breakage to underground
services which extend from your home to the public mains
Get a level 2 quote and go on cover
here.
The cost of repairing or rebuilding the property following
loss or damage to your house by the following specific
perils:
-
Fire, lightning, explosion or earthquake
-
Aircraft and other flying devices or
items dropped from them
-
Collision by vehicle or animal
-
Storm, flood or weight of snow
-
Breakage or collapse of fixed radio and
television aerials, satellite dishes & their fixtures
and fittings and masts
-
Escape of water from and frost damage to
fixed water tanks apparatus or pipes
-
Escape of oil from a fixed domestic
heating installation and smoke damage caused by a fault
in any fixed domestic heating installation
-
Subsidence, heave or landslip
-
Falling trees, telegraph poles or
lamp-posts
-
Accidental breakage of sanitary fittings
-
Accidental breakage to underground
services which extend from your home to the public mains
-
Theft or attempted theft (including
malicious damage)
Click here for an option 3 quotation.
Legal Liability to the Public
Applies to
all
thee levels of cover
Any amount which you are legally liable to
pay as damages for bodily or damage to property, plus your
defence costs and expenses arising
as owner of the property up to £2,000,000 for any one
accident or series of accidents arising out of one event or
£2,000,000 in
all for pollution or contamination.
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