Unoccupied House - Insurance

[porcupineprince]

First thread in this forum, just purchased my first house with the idea being to do it up and sell it on over a period of a year-18months.

The property will be unoccupied and therefore i'm having problems with the building insurance, using the comparison websites i only have 2-3 options available, all ~£50 a month for a 2 bed semi.

Any ideas from all of you developers out there?

Cheers,

Matt

[porcupineprince]

Hoping a bump might get me a response...

[Grandad Gaz]

Insurance_jon does them

[IanMorewood]

Go round put an air bed in it have a curry and beer there once in a while, sorted its not unoccupied.

[porcupineprince]

IanMorewood said:

Go round put an air bed in it have a curry and beer there once in a while, sorted its not unoccupied.

At the risk of a great big WHOOOOOOSH parrot appearing as the next post on this thread....is this legal? As i will be visiting the property several times a week, and staying over probably once or twice a month?

Matt

[Simpo Two]

The insurance company small print will probably have a defintion of 'occupied'.

[BIGDAI]

I had the same problem with my mum's house after she died - none of the "normal" companies would touch it - Abbey (who she had been with for years)just said "we don't do that" & put the phone down - the following day I received a letter saying the insurance had been cancelled!!
I went through a local broker who found a company who would provide cover (at a price !! I'll check who they are when I get home & let you know.

[K50 DEL]

Call Intasure on 0845 111 0680

They do exactly this type of insurance, technically for UK holiday homes, but they have no maximum period of non-occupation.
My circumstances aren't quite the same as yours, but my house is not a holiday home and they have covered me for the last 3 years with no issues. They're underwritten by Lloyds of London IIRC.

I pay just north of 200 quid a year for buildings, contents and accidental damage cover.

[BIGDAI]

just fished out my policy - it's UGM Magenta - 0844 856 2187

[Simpo Two]

BIGDAI said:

just fished out my policy - it's UGM Magenta - 0844 856 2187

Bad luck, they're not listed with www.saynoto0870.com so you'll just have to pay shedloads to call them. wkers.

[porcupineprince]

K50 DEL said:

Call Intasure on 0845 111 0680

They do exactly this type of insurance, technically for UK holiday homes, but they have no maximum period of non-occupation.
My circumstances aren't quite the same as yours, but my house is not a holiday home and they have covered me for the last 3 years with no issues. They're underwritten by Lloyds of London IIRC.

I pay just north of 200 quid a year for buildings, contents and accidental damage cover.

Many thanks, just phoned them and taken them up on their quotation as it was by far the best i've had so far.

Here's a virtual pint for your help...

[K50 DEL]

porcupineprince said:

K50 DEL said:

Call Intasure on 0845 111 0680

They do exactly this type of insurance, technically for UK holiday homes, but they have no maximum period of non-occupation.
My circumstances aren't quite the same as yours, but my house is not a holiday home and they have covered me for the last 3 years with no issues. They're underwritten by Lloyds of London IIRC.

I pay just north of 200 quid a year for buildings, contents and accidental damage cover.

Many thanks, just phoned them and taken them up on their quotation as it was by far the best i've had so far.

Here's a virtual pint for your help...

Glad to help and thanks for the !!