Unoccupied Property Insurance – now simpler, broader and more competitive

We’ve recently enhanced our unoccupied property offering to make it easier for brokers to quote, while also delivering improved rates and wider acceptance across both commercial and residential risks.

Unoccupied commercial insurance and unoccupied residential insurance remain individual products, each tailored to the specific risk involved. However, they are now available under one combined scheme on our quotation portal – Unoccupied Property.

Bringing these products together has allowed us to reduce and simplify the question sets, helping brokers obtain quotes more quickly and with less administration, while still maintaining strong underwriting standards.

Improved rates, wider acceptance and flexible cover options

Alongside these changes, we’ve completed a comprehensive review of our pricing and underwriting appetite, resulting in more competitive rates and a broader range of acceptable risks.

To support brokers placing varying unoccupied property exposures, our products offer three levels of cover, giving flexibility to match protection and premium to the individual risk. This allows you to tailor cover to client needs, risk profile and lender requirements, rather than forcing a one-size-fits-all solution.

Strong capacity and smooth renewals

All unoccupied property risks are backed by A-rated insurer HCC International, providing brokers and clients with confidence in the strength and security of cover.

For existing clients, the renewal process remains straightforward. When an unoccupied property policy comes up for renewal, terms will be issued on the new unoccupied property scheme with a new policy reference, without the need to re-enter risk details, helping to keep renewals efficient and seamless.

Ready to quote

With streamlined questions, improved rates, broader acceptance and flexible cover options, our unoccupied property scheme is designed to support brokers placing these higher-risk exposures with confidence.