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Advice needed for unoccupied property insurance

edited 30 November -1 at 1:00AM in Insurance & Life Assurance
6 replies 11K views
Little_OtterLittle_Otter Forumite
562 posts
edited 30 November -1 at 1:00AM in Insurance & Life Assurance
Hi there, wondered if you could please please help me. Been struggling for a couple of months now...
currently we do not have any home insurance, we have a house (its my oh's house) but we are both still living with parents while we are doing it up, money trouble etc have made this 'doing up' take a year and a half and still going (we have ripped the internal part of the house out and re built it, had the external stone sand blasted, new stone wall built, loft converted, new floors walls, staircases etc)
so the property is not in a good 'state of repair' (yet) it gets better by each day, it is unoccupied for more than 30/60 days in a row, and we have no alarm fitted.
So from the above, we have been refused insurance by just about everybody!!!
I have had a quote which was very high, about £500, just for acts of god, which i thought was a bit pointless so declined.
I asked my dad what he thought i should do as he was in a similar situation not long ago, and he said he lied, and if anything (touch wood) happened he would put a blow up bed in there and say he slept there 'some' nights so it isnt unoccupied for more than 30 days in a row.

What can i do!! I have tried a londlords insurers, this was declined as property is not in a good state of repair.

Any help/advice would be greatly appreciated before i sign up with an insurer under false information.

Thanks x
Trainee Wakeboarder, Fashion and celebrity devotee!


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