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Specialist Insurance for Furnished Unoccupied Domestic Property Required
scoot65
Posts: 505 Forumite
Hello there!
Shortly my house will be furnished and unoccupied for six months. Standard house insurance will not cover a period for this length of time so I need to go down the specialist insurer route.
I'm aware of a company called Vasek who does this type of insurance. I'd like to know if anyone can suggest / recommend any other insurance companies who cover unoccupied domestic properties for long periods ie six months.
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Alan Boswell are an insurance broker that offered me a specialist policy for an unoccupied property. You may need to ring for a quote.I'm a Forum Ambassador on the housing, mortgages & student money saving boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Forum Ambassadors are not moderators and don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com (it's not part of my role to deal with this). Any views are mine and not the official line of MoneySavingExpert.com.1
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Do check with your current insurer too. Lots don't advertise it as a service but can/will sort it for existing customers, especially if it's going to be a fixed period of time and you're going to be returning - they'll want to keep your custom.1
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We had empty house insurance with Vasek for a while several years ago, although ours was largely unfurnished. I think somebody needs to check the property fairly regularly for you to be covered, especially in the winter and you may need to drain down your plumbing.
Make £2026 in 2026
Prolific £177.46, TCB £10.90, Everup £27.79, Roadkill £1.17
Total £217.32 10.7%Make £2025 in 2025 Total £2241.23/£2025 110.7%
Prolific £1062.50, Octopoints £6.64, TCB £492.05, Tesco Clubcard challenges £89.90, Misc Sales £321, Airtime £70, Shopmium £53.06, Everup £106.08, Zopa CB £30, Misc survey £10
Make £2024 in 2024 Total £1410/£2024 70%Make £2023 in 2023 Total: £2606.33/£2023 128.8%1 -
Got some for my mums old house via UKInsuranceNET
Posted the clauses about heating etc in this post on similar subject which came up a week or two ago
https://forums.moneysavingexpert.com/discussion/6386227/property-unoccupied-over-winter-months-central-heating-question/p1
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Many thanks for the replies. I'll take a look at the brokers mentioned and give them a call..Bob, I was the OP in that thread you linked to.0
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