Quote request

UK property insurance quote for overseas owners

Tell us where you live, what the UK property is used for and how often it is occupied, and we'll approach insurers who accept non-UK-resident owners.

Prefer to talk? 03330 50 2088 Read about this cover

What to have ready for your quote

Your country of residence and correspondence address, plus the UK property address.
The legal owner: individual, joint owners, company, partnership, trust or pension scheme.
Personal use, residential letting or holiday letting, and how often the property is empty.
The UK managing agent or keyholder arrangements, construction, sums insured and previous losses.

This is a request for an adviser to assess your property, not confirmation of insurance. Cover, limits, excesses and conditions are confirmed in the insurer's terms.

About you

Name

Phone

Title

Date of birth (main proposer)

Correspondence address

Town / city

Postcode

Country of residence

Occupation or business description

Years of experience as a property owner / landlord

Current insurer and renewal date (if any) (optional)

Preferred contact method

Proposer details

Nationality (optional)

Proposer type

Number of properties to be insured

Is the proposer a property developer?

Does the proposer habitually reside in England, Scotland, Northern Ireland, Wales or Isle of Man?

Policy inception date

Is/are the proposer(s) considered vulnerable?

Personal history

Has the proposer or any director or partner (in the business or any other name under which they have traded) been convicted of, or is in the course of being charged with, any criminal offence (excluding driving offences and spent convictions)?

Has the proposer or any director or partner been declared bankrupt or been a director of any company that went into liquidation?

Has the proposer or any director or partner ever had any insurance declined, refused or cancelled by an insurer?

Do you, any director, trustee or proposed insured have any adverse credit history or county court judgments (CCJs)?

About the property

Property type

Property details

Risk postcode

Risk address line 1

Risk address line 2 (optional)

Risk town

Risk county (optional)

Year of build

Is the property a listed building?

Cover required

Buildings sum insured (rebuild cost) (£)

Is accidental damage cover required for buildings?

Contents sum insured (£)

Is accidental damage cover required for contents?

Occupancy details

How is the property used?

Weeks per year the property is occupied (optional)

Who looks after it in the UK? (optional)

Property construction

Number of storeys including any basement, loft or attic accommodation

Is any part of the property flat roofed?

Is the building in a good state of repair? (secure, structurally sound, weatherproof, no evidence of dry rot, rising damp or infestation, and no damage to the roof or chimney)

Is the property heated solely by electricity, and/or mains gas, and/or solid fuel and/or oil fired central heating?

Is the property built solely with brick, stone or concrete walls (not pre-fabricated concrete), or timber framed with brick, stone or concrete outer walls only, and a slate, tile or concrete roof (other than flat roof sections)?

The premises

Has the property ever been flooded and/or is it located within 10 metres of the sea, river, watercourse, lake, reservoir, canal or dam?

Is the property within 100 metres of a cliff, quarry or other excavation?

Is the property having any structural alterations, or major renovation work affecting load bearing walls or the roof, or are any such works being planned?

Is the property currently having any other building work undertaken, or planned within the next 12 months, that will cost more than £25,000 (including redecoration)?

Has the property experienced any existing or previous stepped/diagonal cracking, subsidence, ground heave, landslip, movement or underpinning?

Is any part of the property ever used for commercial business (other than as a second home or holiday let), whether to be insured on this policy or not?

Material facts and previous losses

Do you need to provide any other material facts in relation to this proposal or property? (If yes, please give details in the box at the end)

Have you suffered any loss or incurred any liability, whether insured or not, during the last 3 years as a result of the risks proposed (at this or any other premises), or had any claims made against you?

Anything else

Anything else we should know? (optional)

Prices shown on this page are indicative only. We'll only use your details to respond to your enquiry.

Indicative pricing

Premiums depend on how the property is used, how often it is occupied and where you are resident. As a guide, cover typically starts at the levels below.

City apartment (leasehold flat only)
from £18 per month
Contents and liability, or buildings where you own the freehold.
Second home used by you and family
from £29 per month
Up to £350,000 rebuild cost with extended unoccupancy allowance.
Let or part holiday let property
from £38 per month
Buildings, contents, guest and tenant liability and loss of income.

Any guide prices are based on typical risks. Your premium and applicable Insurance Premium Tax are confirmed once an insurer has reviewed your details.

What affects your price

Your country of residence and correspondence address
How the property is used — own use, let, holiday let or a mix
How many weeks a year it is occupied or left empty
Whether a UK managing agent or keyholder inspects it
Rebuild cost, construction and postcode risk

Cover to discuss

Availability, limits, exclusions and conditions depend on the insurer's terms. These items are not confirmation of cover.

Insurers who accept non-UK-resident and foreign national owners
Buildings and contents on a reinstatement basis
Longer unoccupancy periods than standard policies allow
Guest and tenant liability where the property is let
Adverse credit history and criminal convictions considered on a case-by-case basis