Quote request

Unoccupied property insurance quote

Empty property cover can be arranged short-term for 3, 6 or 12 months. Tell us why it's empty and how long you need cover for.

Prefer to talk? 03330 50 2088 Read about this cover

Commercial unoccupied property application

If the empty property is used commercially, you can apply online now through our specialist commercial unoccupied application.

Apply online

Long-term unoccupied property application

For long-term unoccupied homes and investment properties, apply online now through our specialist long-term unoccupied form.

Apply online

About the property

Property address or postcode

Estimated rebuild cost (£)

How long has it been empty?

Reason it's unoccupied

Cover term needed

Security and inspections (optional)

Claims history (optional)

Do you, any director, trustee or proposed insured have any adverse credit history, county court judgments or criminal convictions?

Your contact details

Name

Phone

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

Unoccupied cover is priced on the length of the term and the level of protection you need. Short-term 3 and 6 month policies are available, as well as annual 12 month cover.

3 months, fire, lightning & explosion only
from £95 total
Short-term minimum cover for a property awaiting sale or probate.
6 months, extended perils
from £210 total
Short-term cover adding storm, flood, escape of water and vandalism.
12 months, full unoccupied cover
from £38 per month
Annual policy with property owner's liability included.

Guide prices only, based on typical risks. Your premium is confirmed once an insurer has reviewed your details. Insurance Premium Tax is included.

What affects your price

How long the property has already been empty
Reason for the vacancy — probate, sale, refurbishment or void
Security measures, alarms and how often it is inspected
Whether services have been drained and isolated
Rebuild cost and postcode risk

Included as standard

Buildings cover beyond the usual 30-day limit
Short-term 3, 6 and 12 month terms available
Property owner's liability while vacant
Optional contents cover for furnished empty property
Adverse credit history and criminal convictions considered on a case-by-case basis