House insurance - empty property, outstanding claim

I have a really tricky situation.

My mum died in August.  I am the executor and sole beneficiary of her will.  She has a house.  Insured with AA.
In December a pipe burst, lots of damage, claim currently with the AA.  Being sorted - but won't be quick because of what needs doing.
Insurance has now run out.  AA won't renew because it's unoccupied.  I've found people who will insure if it's unoccupied or still under probate etc; but they won't cover if there is an outstanding claim.

Any ideas?  I'm just really worried that an asteroid will hit the house or something else will happen and I don't have insurance!


  • DullGreyGuy
    DullGreyGuy Forumite Posts: 6,262
    1,000 Posts First Anniversary Name Dropper
    Contact a broker, you are in very niche insurance space where there aren't enough customers for direct insurers or mass market intermediaries
  • RachelN76
    RachelN76 Forumite Posts: 43
    Sixth Anniversary 10 Posts Combo Breaker
    I'm back.  I've contacted every agent, broker and insurance company i can find.

    Does anyone have any ideas at all, or do I just have to accept the risk?
    (I'm a VERY risk averse person, and this is giving me major palpitations!)
  • huckster
    huckster Forumite Posts: 4,708
    Part of the Furniture 1,000 Posts Name Dropper
    edited 5 April at 6:19PM
    Have you tried Home Protect?

    Also see which Insurance company actually insured the house under the AA policy.  See if you can approach the company directly.

    AA as brokers might not be authorised to arrange  renewal of an unoccupied property, but the actual Insurance company may offer cover subject to changed terms.

    The comments I post are personal opinion. Always refer to official information sources before relying on internet forums. If you have a problem with any organisation, enter into their official complaints process at the earliest opportunity, as sometimes complaints have to be started within a certain time frame.
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