What???Its expensive enough. I needed a policy for an unoccupied house a couple of years ago and got one through Chill Insurance.
Euro860 for 1 year, limited cover.
I had the same experience, most insurers had totally unrealistic conditions or only offered limited cover. Eventually got cover including public liability, fire and water without having to disconnect services with Arachas. Cost was around €850 which was at least double the standard insurance cost, and that was a few years ago.the ESB and water must be disconnected or the policy would be invalid if anything happened.
Arachas have quoted 860. Clause in policy says all water tanks and central heating system must be drained and stopcocks turned off at the mains. Fire etc., malicious damage.I had the same experience, most insurers had totally unrealistic conditions or only offered limited cover. Eventually got cover including public liability, fire and water without having to disconnect services with Arachas. Cost was around €850 which was at least double the standard insurance cost, and that was a few years ago.
The house was sold 6 months later and there was no problem getting a full rebate less a small administration fee for the remaining 6 months. Presumably with any insurer, Roro999 can cancel when he moves in, get a refund and take out much cheaper standard insurance.
Fair enough, Arachas must be like the others now.Arachas have quoted 860. Clause in policy says all water tanks and central heating system must be drained and stopcocks turned off at the mains. Fire etc., malicious damage.
It was an end-of-terrace 2-bed house (old 1930's Corporation-type) in Dublin 7. I got two quotes from different companies, for about the same amount. I only needed it for a year then sold the property, and also got a rebate due to the selling it before the insurance expiry date.What???
How big was the house and where was it?
I'm paying less than half that, for a small detached bungalow, and feel I'm getting ripped off!
Very occasionally unoccupied houses are broken into and fittings & fixtures, including wiring are stolen. Then there are storms. public liability...You would then wonder what's the point of getting it insured, bar a lightning strike ?
We recently bought a new home but won't move in fully until we've sold our PPR, meanwhile organising energy upgrades and we're there for a few hours almost daily.Thanks for replies. If I visit the house and it's not my PPR 4/5 times a week and stay in it one night a week is it still considered an unoccupied house for insurance purposes?
Probably depends on each insurer's definition of "unoccupied" unless there is a common one that they all use.Thanks for replies. If I visit the house and it's not my PPR 4/5 times a week and stay in it one night a week is it still considered an unoccupied house for insurance purposes?
Read the Policy. Some restrict cover if unoccupied for more than 90 days in any one insurance year. It's not worth saving a few euro when it conmes to house insurance.Thanks for replies. If I visit the house and it's not my PPR 4/5 times a week and stay in it one night a week is it still considered an unoccupied house for insurance purposes?
Just to be clear, don't leave the property uninsured between the two policies just in case.So I get policy cancelled with Arachas and get a pro-rata refund. I think I just then contact an insurance company and take our insurance
I got owner occupier buildings insurance for a property in my name that was occupied by my ex under a right of residence arrangement governed by our separation agreement. So owner occupier cover may be possible in your situation too. I do seem to recall having to do a lot of ringing around to explain the situation and eventually get somebody to offer cover (Zurich as it happens). This was about a decade ago and I just stuck with them since then as their premium wasn't excessive and changing cover would've been too much hassle. Maybe it's easier to get such cover these days? If necessary try a broker or two.but is that for an investment property even though my son won't be paying rent ?