Cover for each property will be arranged under a dedicated scheme underwritten by specialist Insurers utilising market facilities to provide suitable and cost effective insurance for unoccupied or let private dwellings.
'All risks' cover is provided for most properties/areas including malicious damage, accidental damage & subsidence. A summary of cover or a copy of the full policy wording is available upon request.
The scheme rating, unlike the majority of household policies, is not based on post code area but attracts a competitive flat premium rate applied to the building sum insured.
As an example a £150,000 building sum might equate to an annual premium of around £450.00 plus insurance tax. The premium rate for contents insurance if required will be determined by postcode, quotations available upon request.
To obtain a quote and effect cover, simply complete and submit online the brief enquiry form or contact us to discuss requirements. Cover can be arranged by return as required with information, documents and policy forms available for download from our website.
All policies arranged are for a standard 12 month period, payable in full at inception with a minimum term of 6 months. Assuming no claims, there will be no penalty for early cancellation after the first 6 months and a full pro rata return of premium will be allowed for the unexpired period.
Following settlement of probate, should the property remain unoccupied, cover can continue as required and if subsequently sold or occupied, standard household insurance cover can be arranged.