Short Term Unoccupied Insurance

Our new Short-Term Unoccupied Scheme is underwritten by Tokio Marine HCC and offers the policyholder full perils during the length of the term of the policy. This can be selected from 3, 6 or 12 months, from a minimum of £70 plus IPT.

Types of Unoccupacy:

The Short-Term Unoccupied product has been designed to insure residential properties up to £1.5m rebuild that are unoccupied due to:


  • Probate
  • Bereavement/Subject to will
  • Awaiting tenant
  • Refurbishment and building works (up to £250,000)
  • Property sale
  • Extended holidays
  • Covid restrictions
  • Everything in between


Please click here for your tailored online quotation or call our underwriting team on 0333 032 5000 who will assist you with any unusual or difficult risks.

What’s covered?

As Standard

  • Full Perils
  • POL £2m

Adjustable Covers

  • Buildings
  • Contents
  • Reduce to FLEA only cover on request