There are about 700,000 empty properties in the UK, and they are unoccupied for a variety of reasons. Often, a residential property can be awaiting sale or probate. Or maybe the owners have moved out while the house is extended or refurbished. Some people are also forced to leave their homes empty while they go into hospital, or even into long term care.

A commercial property can be left unoccupied for many reasons too. It could fall empty at at the end of a lease pending new tenants, the business may have ceased trading, it could be a new development pending let.

Whatever the reason, it's important to ensure that an empty property has adequate insurance cover in case something goes wrong.  Many insurers will not cover a property if it is left unoccupied for more than a certain number of consecutive days, others may restrict the cover and be reluctant to insure an empty property against malicious damage.

There might also be restrictions on theft of contents and any damage caused by an escape of water.

We have a range of products available to us for both Residential and Commercial property, providing a choice of cover.