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Unoccupied Property Insurance

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Residential and Commercial risks

This is where we excel with a premium and level of cover to suit most risks.

XLCatlin provide capacity for our unoccupied residential risks. XLCatlin is the sole capacity provider for our unoccupied commercial risks.  

Cover available for Residential Properties

Unoccupied Level 1 Cover (Bronze)

This cover includes:

  • Fire
  • Lightning
  • Earthquake
  • Explosion
  • Aircraft and other flying devices
  • £100.00 Excess 
  • Property owner’s liability now £5 million 
  • Pro Rata Cancellation 
  • Rate reduction 25% Available 

This cover includes:

  • Fire
  • Lightning
  • Earthquake
  • Explosion
  • Aircraft and other flying devices
  • Storm
  • Flood
  • Weight of Snow
  • Pro Rata Cancellation 
  • Smoke damage caused by a fault in fixed domestic heating installation(s)
  • Collision by vehicle or animal
  • Subsidence, Heave or Landslip Now included on properties to be sold 
  • Breakage or collapse of fixed radio and television aerials, fixed satellite dishes and their fixtures and fittings
  • Falling trees, telegraph poles or lamp-posts
  • Property owner’s liability now £5 million 
  • £1,000.00 subsidence excess
  • £100.00 standard excess 
  • Costs you have to pay for replacing or refilling fire extinguishers and/or fire blankets
  • Rate reduction 25% available 

This cover includes:

  • Fire
  • Lightning
  • Earthquake
  • Explosion
  • Aircraft and other flying devices
  • Storm
  • Flood
  • Weight of Snow
  • Escape of water from and frost damage to fixed water tanks, apparatus or pipes
  • Escape of oil from fixed domestic oil-fired heating installation(s)
  • Smoke damage caused by a fault in fixed domestic heating installation(s)
  • Theft or attempted theft
  • Collision by vehicle or animal
  • Riots, strikes, violent disorder, civil commotion and malicious damage
  • Subsidence, Heave or Landslip now included on properties to be sold 
  • Breakage or collapse of fixed radio and television aerials, fixed satellite dishes and their fixtures and fittings
  • Pro Rata Cancellation 
  • Falling trees, telegraph poles or lamp-posts
  • Property owner’s liability now £5 million 
  • Accidental Damage to fixed glass, solar panels, sanitary ware & ceramic hobs
  • Accidental Damage to oil pipes, underground water and gas supply pipes, sewers, drains & cables
  • £1,000.00 subsidence excess
  • Accidental damage to buildings (Extension)
  • Free £10,000 contents 
  • £100.00 Standard Excess 
  • Rate reduction upto 25% off 

Contents Cover available

Unoccupied Level 1 Cover (Bronze)

This cover includes:

  • Fire
  • Lightning
  • Earthquake
  • Explosion
  • Aircraft and other flying devices
  • Property owner’s liability no £5 million (if insured with buildings)
  • £100.00 standard excess

This cover includes:

  • Fire
  • Lightning
  • Earthquake
  • Explosion
  • Aircraft and other flying devices
  • Storm
  • Flood
  • Weight of Snow
  • Smoke damage caused by a fault in fixed domestic heating installation(s)
  • Collision by vehicle or animal
  • Subsidence, Heave or Landslip now included on properties to be sold 
  • Breakage or collapse of fixed radio and television aerials, fixed satellite dishes and their fixtures and fittings
  • Falling trees, telegraph poles or lamp-posts
  • Property owner’s liability now £5 million
  • £100.00 standard excess
  • £1,000.00 Subsidence Excess
  • Fire
  • Lightning
  • Earthquake
  • Explosion
  • Aircraft and other flying devices
  • Storm
  • Flood
  • Weight of Snow
  • Escape of water from and frost damage to fixed water tanks, apparatus or pipes
  • Escape of oil from fixed domestic oil-fired heating installation(s)
  • Smoke damage caused by a fault in fixed domestic heating installation(s)
  • Theft or attempted theft
  • Collision by vehicle or animal
  • Riots, strikes, violent disorder, civil commotion and malicious damage
  • Subsidence, Heave or Landslip now included on properties to be sold 
  • Breakage or collapse of fixed radio and television aerials, fixed satellite dishes and their fixtures and fittings
  • Falling trees, telegraph poles or lamp-posts
  • Property owner’s liability now £5 million
  • Accidental Damage to oil pipes, underground water and gas supply pipes, sewers, drains & cables
  • £100.00 Standard Excess
  • £1,000.00 Subsidence Excess

Unoccupied Commercial Risks

Unoccupied Level 1 Cover - Commercial

This cover includes:

  • Fire
  • Lightning
  • Earthquake
  • Explosion
  • Aircraft and other flying devices
  • £500.00 Excess
  • Property owner’s liability £2 million

This cover includes:

  • Fire
  • Lightning
  • Earthquake
  • Explosion
  • Aircraft and other flying devices
  • Storm
  • Flood
  • Weight of Snow
  • Smoke damage caused by a fault in fixed domestic heating installation(s)
  • Collision by vehicle or animal
  • Subsidence, Heave or Landslip Now included on properties to be sold
  • Breakage or collapse of fixed radio and television aerials, fixed satellite dishes and their fixtures and fittings
  • Falling trees, telegraph poles or lamp-posts
  • Property owner’s liability £2Million
  • £1,000.00 subsidence excess
  • £500.00 standard excess
  • Fire
  • Lightning
  • Earthquake
  • Explosion
  • Aircraft and other flying devices
  • Storm
  • Flood
  • Weight of Snow
  • Escape of water from and frost damage to fixed water tanks, apparatus or pipes
  • Escape of oil from fixed domestic oil-fired heating installation(s)
  • Smoke damage caused by a fault in fixed domestic heating installation(s)
  • Theft or attempted theft
  • Collision by vehicle or animal
  • Riots, strikes, violent disorder, civil commotion and malicious damage
  • Subsidence, Heave or Landslip now included on properties to be sold 
  • Breakage or collapse of fixed radio and television aerials, fixed satellite dishes and their fixtures and fittings
  • Falling trees, telegraph poles or lamp-posts
  • Property owner’s liability now £5 million
  • Accidental Damage to oil pipes, underground water and gas supply pipes, sewers, drains & cables
  • £100.00 Standard Excess
  • £1,000.00 Subsidence Excess

Contact Us

To find out more about what we can offer here at U-Sure get in touch today on 01633 838976 or send us an email.

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