Home Insurance Technical Query

SteveyJC

Im planning on buying my first house, and have found out that I can avoid rates for a few months (approx £100 per month where I live) if I dont move furniture in and dont move in (I will stay at home until I save up for furniture etc).

So what I am proposing / asking is, will insurers still insure me, if I dont live in the house, and maybe sleep in it a couple of nights a week (so it isnt constantly empty)? I'd be interested in doing this for, say the max of 1 year.

Hope that all made sense,
Stevey

robwend

if its left empty for more than 30 days no sorry they wont<just done insurance quotes the same question always came up>

SteveyJC

yeah, but thats why I said I would sleep in it a few nights a week. So I guess technically it wouldnt be expty > 30days??

Just a thought

robwend

lol we all know insurance companys dont do technicallys, but is up to you to run the risk isnt it lol xxxxwendy

kit

SteveyJC wrote:

yeah, but thats why I said I would sleep in it a few nights a week. So I guess technically it wouldnt be expty > 30days??

Just a thought

But that also means it wont be emtpy for council tax purposes either so you should pay them saving you no money.

hobo28

When you say rates, I assume you mean Council tax? If so then don't forget an empty property only saves you 50%. You still have to pay the other 50%. Also, if you're single you get a 25% reduction off the full rate anyway.

It sounds to me like you'll be living alone. So basically you'd only save 25% anyway. Factor in the additional insurance per month and any "board" you have to pay your parents then you might as well just live in it.