Unoccupied properties do attract increased excesses (which are detailed on your certificate of insurance) with Insurer definition of an unoccupied property as follows;-
- Any part of a building or flat which is empty, disused or unfurnished
- Not used as the Insured’s main residence or used by the property owner as a Holiday / 2nd Home and not currently occupied
- Any property no longer in active use by the Insured or any of the Insured’s tenants for more than 45 days in a row.
For ease of reference the Unoccupancy condition is summarised as follows;
1) All gas and electrical services within the Unoccupied property are switched off at the mains except for any electrical circuits required to maintain any fire and intruder alarm, security protections and timed lights, heating systems and fridges or freezers.
2) The water system to the Unoccupied portion of the building must be isolated at the mains and completely drained or the heating systems has been set at a minimum temperature of 5 degrees Celsius during the period 1st October to 1st April each year.
3) All accumulations of mail or other combustible waste materials that form ready fuel for a fire should be removed from within the Unoccupied portion of the building.
4) The Unoccupied portion of the building must be secured against unlawful entry by closing and locking its doors and windows and setting all its security and alarm systems.
5) The Unoccupied portion of the building is subject to a programme of comprehensive internal and external inspections undertaken by an authorised representative of the insured to ensure continued compliance with the other terms of this condition.
The inspection frequency varies depending on the type of unoccupied property
Tenanted properties excluding Holiday lets / Unoccupied Properties / Holiday & 2nd Homes
Inspections should commence within the initial 14 days following the property becoming Unoccupied and continue at intervals not exceeding 14 days thereafter. Inspection results are to be recorded and retained at a separate location during the period of unoccupancy; and any new accumulations of junk mail found during such inspection should be removed.
Inspections should commence within 24 hours of the tenant vacating the property and then every 7 days with a further inspection no more than
24 hours before a new tenant takes possession of the holiday let property.
Inspection results are to be recorded and retained at a separate location during the period of unoccupancy; and any new accumulations of junk mail found during such inspection should be removed.
6) The Insurers are to be notified within 7 days in the event of damage or unauthorised entry to the Unoccupied area becoming evident or known to the Insured or their representative.
Optional cover extension available to you:
- Removal of increased excesses for properties falling within Insurer definition of an Unoccupied property
For further information on the optional covers extension, please refer to either the appropriate cover section or contact our insurance department on 0141 221 9266 ( or can the website have a link back to the appropriate boxes)
Payment of insurance premiums by monthly instalments usually attracts an additional cost, however we are pleased to advise we can offer this facility at no cost to you. Please contact our finance team on 0141 221 9266 who will be able to provide details to you.
Policy wordings and cover summaries can be found here, however if you would prefer a copy to be emailed or mailed directly to you, our insurance team will be happy to accommodate.