Restaurant Insurance
At AC Insurance we realise that a property may be unoccupied for various reasons
and we have designed a policy to suit a wide range of possibilities
Unoccupied properties with cover built around you
RESIDENTIAL OR COMMERCIAL
The beauty of our specialist unoccupied policies is that once your property becomes occupied,we can convert your policy into a full buildings and contents policy without having the need to cancel and set up a new policy.
On many occasions we will actually give you a return premium as unoccupied insurance always costs more than occupied insurance.
Our insurers will ask you to meet certain requirements due to the extra risk
associated with unoccupied properties these include:
Visiting
The property must be visited at least once a week by a responsible adult.
Heating
Between April and October your heating set to a temperature no less than 13 degrees or that your central heating systems are drained.
Security
All external doors and windows must adhere to a minimum security requirement set by insurers.
We realise that a property may become unoccupied for many reasonssome of these include:
Property Undergoing Renovations
We can cover your home or let property on a full or limited perils basis. This basically means that we will cover your buildings for everything you would be covered for under your home insurance policy or we reduce cover to the minimum of Fire, Lightning, Earthquake, Explosion and impact by aircraft, also known as FLEEA.
Property Pending Let
You may have purchased a new property that you are going to let out once you have completed some minor refurbishments.
Or you may have a property between lets and decide that you are going to freshen things up before you re-let, this can sometimes take longer than anticipated and should your property be unoccupied for longer than the normal 30 days given by most insurers, our cover can help.
Property Owner Moved Into Care Home
You may have an
elderly family member that has had to move
into a care home due to ill health.
At AC Insurance we realise that this can be quite an emotional time, we can work with you to ensure that their home is covered, with you named as power of attorney on the documents
so we can talk to you, to carry out their wishes.
