House and Contents Insurance - inc. 110 days unoccupied

VXman

Smithcom said:

Seems reasonable.

Sounds very reasonable.  Please be careful.   Beazley's standard household policy has a 7 day inspection clause 
Beazley home insurance policy wording     Would be unusual for policy to have no inspection requirement

That doesn't look to be the same policy. My one is Beazley 'Effected through Orwell Insurance Services Limited'

No comment on inspections in there. The policy booklet is for their standard (30 day away) Buildings and contents insurance. Orwells have written into the schedule special conditions allowing 110 days on one occasion so the booklet wouldn't mention any conditions to that. No changes mentioned in the schedule other that the reduced water escape maximum. 

https://drive.google.com/file/d/141nkX-y24ELaEpwfegnGhQnQR4ksujPQ/view?usp=sharing

VXman

Interesting though - the booklet you linked is far more specific and detailed. (it is also a 90 day absence policy whereas mine is 60) The booklet I have is far less specific which I take to be a positive thing, as long as it is kosher!!

Actually - the booklet you have linked is confusing. It's a 90 absence allowed policy. Unoccupied as defined as over 90 days and /or un furnished. Under those conditions it needs to be inspected every 7 days, which is odd as I would have thought it would just be invalid if you went over 90 days not occupied.

That's different to mine which has specific allowance for 110 days.

DullGreyGuy

VXman said:

Interesting though - the booklet you linked is far more specific and detailed. (it is also a 90 day absence policy whereas mine is 60) The booklet I have is far less specific which I take to be a positive thing, as long as it is kosher!!

Actually that is quite demanding to have it inspected every 7 days in a 90 day policy. I don't think that is normal. Well know 90 day policies like M & S don't demand that (As far as I know). My current 60 policy with Privilege doesn't demand anything.

M&S is Aviva and Privilege is UKI (though as of a week or two ago now owned by Aviva too) 

Insurers often have different terms via different intermediaries and different again if sold directly so it's no surprise that if you are looking at totally different firms that their views on what good practice is differs. 

If you are an intermediary you can ultimately approach an insurer with a policy you have written your own terms for and ask them to price it for you... alternatively if you've got the skills you can get them to delegate all of the term writing and pricing to you as long as you stay within whatever bounds they want to impose.