empty property insurance
unoccupied house insurance
Call us on
01803 698 456
01803 698 456
Call Devon Direct on - 01803 698 456
For a personal quotation for your unoccupied house insurance from one of our experienced staff - no call centres involved.
For a personal quotation for your unoccupied house insurance from one of our experienced staff - no call centres involved.
1st Floor Queens Park Mansion
5 Queens Park Road
Paignton, Devon, TQ4 6AH
Tel: +44(0)1803 698 456
Email: insure@devondirect.net
Registered Office : 80 Milton Street Brixham Devon TQ5 0AS. A Company registered in England. Reg No : 5037934.
Registered under the Data Protection Act 1998 Reg No : Z8441389. Consumer Credit Licence Reg No : 552043.
A member of the FSB Reg No : 1401554.
5 Queens Park Road
Paignton, Devon, TQ4 6AH
Tel: +44(0)1803 698 456
Email: insure@devondirect.net
Registered Office : 80 Milton Street Brixham Devon TQ5 0AS. A Company registered in England. Reg No : 5037934.
Registered under the Data Protection Act 1998 Reg No : Z8441389. Consumer Credit Licence Reg No : 552043.
A member of the FSB Reg No : 1401554.
We are authorised and regulated by the Financial Services Authority (FSA) Reg No : 306033.
Devon Direct Insurance Services Ltd
Business Hours:
9.00 am to 5.30 pm - Monday to Friday.
If outside of these hours please click link below.
9.00 am to 5.30 pm - Monday to Friday.
If outside of these hours please click link below.
Devon Direct Insurance Services Ltd
Empty Property Insurance
We can cover Earthquake - Subsidence - Heave & Landslip
Get a Quote for
Please choose below how you would like us to deal with your Empty Property Insurance enquiry
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This option is only available for properties in Bulgaria or Croatia.
We have a fully automated website that can instantly give a quote for your empty property insurance that you can accept and purchase your policy there and then with all documentation handled via email.
We have a fully automated website that can instantly give a quote for your empty property insurance that you can accept and purchase your policy there and then with all documentation handled via email.
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You can fill in a short questionnaire form from which we will be able to give you a quote within 2 hours. Any questions that need clarification - we will contact you.
Please note : Our Unoccupied House Insurance Policies
are only available to UK residents.
are only available to UK residents.
If you would prefer to have us contact you regarding your unoccupied house insurance please enter the details below and one of our experienced staff members will contact you as soon as possible.
You can call us on 01803 698 456 or you can send us an email at :
Devon Direct Insurance Services Ltd
Call us on
01803 698 456
01803 698 456
We offer Public Liability, Buildings and Contents Insurance
Unoccupied House Insurance
Click for a Bulgarian empty property insurance quote now
Click for an instant online Croatian unoccupied house insurance quote now
For Empty Property Insurance
For Unoccupied House Insurance
If your property becomes unoccupied, it will be more difficult to find empty property insurance than it would be for an occupied one. There are various reasons why you may have an empty property and therefore need unoccupied house insurance, maybe the previous owner has passed away and the property is for sale, the building has been purchased by a new landlord but has not been rented out yet or the property is unoccupied between tenants.
Empty properties are seen as a higher risk, as they are more likely to suffer a theft or vandalism. There is also the possibility of squatters and any attendant damage caused. The empty property may be let in the future on a commercial basis - many insurers will not insure properties let out and so will not offer empty property insurance.
Most standard polices restrict cover or even stop cover when a property becomes unoccupied. The reason for this is that when a claim event occurs in an unoccupied building they often go undetected and consequently become more expensive than a normal claim. This is why you will need a specific empty property insurance policy to cover the risk.
Unoccupied is defined differently by insurers, some insurers define it as a property left without an occupant for more than 30 days, some as when the property is left unfurnished. Most insurers regard long term unoccupancy as a material fact which must be disclosed when buying unoccupied house insurance.
There are measures that insurers of empty property will expect the owners to take in order to prevent any slide into disrepair. Minor repairs such as fallen roof tiles or broken windows should repaired, not only to avoid the obvious advertisement that the building is unoccupied, but also to prevent further damage to the structure of the property as a result. Also the garden and surroundings of any property should be kept clear of rubbish to prevent further fly-tipping and to reduce any risk of fire.
Empty properties are seen as a higher risk, as they are more likely to suffer a theft or vandalism. There is also the possibility of squatters and any attendant damage caused. The empty property may be let in the future on a commercial basis - many insurers will not insure properties let out and so will not offer empty property insurance.
Most standard polices restrict cover or even stop cover when a property becomes unoccupied. The reason for this is that when a claim event occurs in an unoccupied building they often go undetected and consequently become more expensive than a normal claim. This is why you will need a specific empty property insurance policy to cover the risk.
Unoccupied is defined differently by insurers, some insurers define it as a property left without an occupant for more than 30 days, some as when the property is left unfurnished. Most insurers regard long term unoccupancy as a material fact which must be disclosed when buying unoccupied house insurance.
There are measures that insurers of empty property will expect the owners to take in order to prevent any slide into disrepair. Minor repairs such as fallen roof tiles or broken windows should repaired, not only to avoid the obvious advertisement that the building is unoccupied, but also to prevent further damage to the structure of the property as a result. Also the garden and surroundings of any property should be kept clear of rubbish to prevent further fly-tipping and to reduce any risk of fire.
For Empty Property Insurance
For Empty Property Insurance
For Unoccupied House Insurance