leesider29
Registered User
- Messages
- 120
Contact a broker who will have a number of insurance companies that will quote a vacant property.
Thanks, I have contacted a broker today.
I have another insurance query. I am now involved in helping with an elderly relative's financial affairs, who is now only recently permanently in a nursing home. They have been renewing their home insurance for many years.
In 2010 and 2012 specifically, they spent > 6 months continously in hospital and the house was unoccupied. In the event of a claim being lodged during those years, it would have been rejected as the insurance would have been void for unoccupancy reasons. As the premiums were paid but the insurance was not valid, are there grounds for a refund?
Similar story here. Cottage unoccupied at present until renovation starts late August. As far as I know insurance requirement during building-work will be entirely different.
I will be using the place for approximately two-month periods throughout the year. My understanding of insurance is that most policies allow for absences of up to 60 days continuously, longer if there is some caretaking (e.g. neighbour checking occasionally).
If anyone has advice on a company that covers the (very minimal!) requirements of an empty unrenovated property I would appreciate it.
We have just bought an older home currently under renovation. However the main issue seems to be that we will be away for 6 months of the year. This is not really a holiday home as it will be full of furniture and our belongings. Anybody know of insurance companies that would cover us? Most insurance companies dont want to touch us!
There is one that is 60 days but the company alludes me. Could be Allianz.
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