Insurance on empty house
Roly
She informed the insurance company of the change of circumstance and
they promptly told her that as the house was unoccupied, cover would be
massively limited and only for 30 days.
Clearly she wants sensible insurance for the property until it's sold.
Is there any special sort of policy that should be sought ?
Is it a perfectly standard requirement that any other insurance company
can provide ?
Should she approach a specialist insurer?
Hzatph
"Roly" <Roly....@ntlworld.com> wrote in message
news:1h76ycz.1ufwbrr52r4qoN%Roly....@ntlworld.com...
in every 30 - the house would then not be continuously unoccupied for 30
days.
Nick
>>
>> Should she approach a specialist insurer?
>>
> On one occasion our broker advised us to sleep over at the house one night
> in every 30 - the house would then not be continuously unoccupied for 30
> days.
>
night a week to give the impression that it is "lived in" to the locals,
else I get more limitations... Quite good really ! I get an enforced night
out to do what I want :-))
Nick
Paul Andrews
news:dn6786$of$1...@nwrdmz02.dmz.ncs.ea.ibs-infra.bt.com...
Yes, this was the advice I had several years ago when I had the same
problem. Unfortunately I couldn't do that, so I enjoyed a few sleepless
night and an un-insured house until it was sold... (All of the mains
services were off or disconnected). I wouldn't recommend that course, but
there was little option for me.
Peter Crosland
It is a perfectly normal clause in domestic insurance policies. I assume
your wife is the executor of her father's will. Strictly speaking the
executors need to insure it because the old policy may have lapsed on
death.. Any decent broker should be able to arrange appropriate cover. As
others have mentioned the one night a month sleep in may, but not
definitively, suffice.
--
Regards from Peter Crosland
Peter Parry
wrote:
>Clearly she wants sensible insurance for the property until it's sold.
>
>Is there any special sort of policy that should be sought ?
Are the neighbours friendly? I had insurance on an empty house (and
contents) for a few years at normal rates after the insurance company
were satisfied the neighbours visited it every day or so and it
included lighting which simulated night occupancy.
--
Peter Parry.
http://www.wpp.ltd.uk/
and...@cucumber.demon.co.uk
to get to the point of selling her house. We
insured it through a rental property insurance
specialist, who could cope with indefinate empty
periods. Once you had knocked off the cover for
items stolen by tenents, loss of rental income,
and all the other aspects which were not relevant
in this case, I don't think it cost much different
from the regular policy.
--
Andrew Gabriel
tarquinlinbin
Hmm,i presume you sleep alone...
>
>Nick
>
Remove antispam and add 670 after bra to email
tarquinlinbin
wrote:
>My wife is selling up her father's house after he died.
Similar circs in our family. My partners father died. She informed
insurance co,they were happy to keep the property insured until expiry
as long as it was visited regularly but said they wouldnt invite
renewal. There are specialist insurers check out a company called
towergate do a google
Mogweed
"Roly" <Roly....@ntlworld.com> wrote in message
news:1h76ycz.1ufwbrr52r4qoN%Roly....@ntlworld.com...
My mum died 14 months ago and we knew it would take a long time to clear the
house and then renovate it with a view to letting it out, and indeed we
still aren't ready to let it out yet.
I tried various insurance companies (about 10 or 12 IIRC), but because it
was both unoccupied and (would be) unfurnished, no-one would cover it for
more than 30 days. And then I thought about ringing our own insurers (CIS)
who cover both buildings and contents for our own house (why the hell I
never thought of going straight to them I'll never know - must have been
having a particularly blonde moment).
Because we had our own insurance with them they were very willing to cover
the contents for 60 days with the option to carry on longer if we needed it
and the building for the full 12 months, again with the option to renew if
necessary, which it was.
My advice therefore, is to go to the same company who cover your own house
or try CIS.
HTH,
Mogweed.
Nick
"enforced night
>>out to do what I want :-))
>
> Hmm,i presume you sleep alone...
Sleep ? little of that !
ARWadsworth
<and...@cucumber.demon.co.uk> wrote in message
news:1133968201.1...@o13g2000cwo.googlegroups.com...
That sounds similar to when my Grandmother died and also a Great Uncle. The
main clauses seemed to be the draining down of all the water in the heating
etc to stop damage due to freezing.
Adam
freddyuk
Try Halifax Direct they do unoccupied property. One of very few insurers
that do it.
--
freddyuk
Dave Fawthrop
wrote:
| My wife is selling up her father's house after he died.
Find a *reliable* ?young? person who will house sit?
My daughter often house sits.
--
Dave Fawthrop <dave hyphenologist co uk> Sick of Premium SMS scams,
SMS marketing, Direct marketing phone calls, Silent phone calls?
Register with http://www.tpsonline.org.uk/tps/
IME they work :-)