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Unoccupied Pending Occupancy Building and Contents Insurance

Unoccupied Properties
Pending Occupancy

We are able to offer cover on properties which are currently unoccupied. The property may be undergoing refurbishment or will simply be unoccupied for a short while before becoming owner occupied.

Properties may be unoccupied for a period of up to 6 months, this can be extended subject to further information being supplied, each case will be treated on its own merits. Once the property becomes occupied full perils will be offered which saves you the inconvenience of arranging a new Policy for your customer.

Key Features
  • Standard policy features include:

  • Commission from 20%
  • 300 Policy Excess
  • Cover Available whilst property undergoing refurbishment
  • Block Building Sum Insured of 400,000
  • Higher Covers available on request
  • Up to 15% discount for Higher Excesses
  • 2,000,000 Liability Cover
  • Restricted Cover Available at substantially reduced premiums
  • Options available:

  • Theft and Malicious Damage Cover
    Subject to minimum security
  • The features listed here are for summary purposes only.
    For complete details please check the full policy wordings.
Key Features


Orwell Insurance Services Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register
(http://www.fca.org.uk/register/) under reference 311566

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Orwell Insurance Services Ltd. Registered in England No. 380379
Cristal Business Centre, 47 Knightsdale Road, Ipswich, Suffolk, IP1 4JJ