Would my current policy not still work?
Many people don’t even think about how long their building is left unoccupied and they, therefore, don’t realise that most household and landlord insurance policies have a clause stating how long the property can be left unoccupied before the policy becomes invalid. This is often 30 days – so that six week trip around the world or a two-month stay in hospital can be enough to make your household insurance policy lapse.
So what should I do if I know I will be leaving my home for a time?
The first thing to do is to check the small print in your current policy. It should give you clear information on any exclusions to your cover if your premises are empty and it should also say how long you can leave your property empty. If you know you are going to exceed this limit, then contact your insurance provider and chat to them about whether they offer extended cover while your property is empty. Don’t leave it too late – you don’t want to be caught without cover!
Where do I buy Unoccupied Property Insurance from?
At property insurance centre we have access to over 40 of the leading insurance underwriters and due to specialising in this type of insurance, we have access to rates that our competitors do not. Call us today on 0800 085 3761 for a quote within 5 minutes.
Or you can try our online Insurance Quote Beater.