Property Questions

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Loss of rent cover protects your rental income in the event that your building suffers a catastrophic event e.g. a fire or flood, rendering it unlettable.

Property owners' liability is similar to public liability. It provides cover in the event someone suffers bodily injury or material damage caused by your building. For example, a tile comes loose, falls on someone and hurts them, or lands on their property, such as a car, causing damage to it.

For more information about Public Liability, see the Liability FAQ's.

A 5 lever mortice lock is a standard type of lock that deadlocks, (unlike a yale lock that operates on a catch). Click here for a more in depth explanation and a picture of this type of lock and key.

FLEEA cover is: 

Fire
Lightning
Earthquake
Explosion and
Aircraft

or sometimes just FLEA or FLEE.

In the UK there is no specific legal definition for unoccupied. Each insurer has their own definition of what an unoccupied property is and this will always be set out in their policy wording. Most household insurance policies consider a residential building to be unoccupied if it is not occupied overnight for a period of time that is often as little as 28 days during a whole year. When a property is deemed to be unoccupied by the insurance company, cover will be limited to a basic level such as FLEEA cover, and the company will also advise you that cover will cease after a short period, often as little as 28 days.

A commercial building may be deemed to be unoccupied if it is not used for a period of as little as 7 days, but is usually 21-28 days. Check your policy wording if you are unsure, or click here for more in depth information and context from the Financial Ombudsman Service.

On an unoccupied policy, no. Other policies may provide unoccupied cover, but for a short period only, e.g. a let property policy will offer cover for a property between lettings, but will specify a maximum number of days unoccupied cover.

Yes, you can cover general contents (such as furniture, TV's etc.). Please Note, cover for valuables such as jewellery, gold, silver, works of art & paintings, or personal effects will generally be excluded.

If your property is up for sale, we have access to several insurers who will insure you on a short term or monthly basis, with small or no cancellation charges.