Yes, as soon as the building becomes occupied, you can cancel your policy, and we’ll arrange a refund on the remaining cover.

We can insure all kinds.  Whether it’s commercial or residential, rented or owned, we can find you an affordable, high-quality policy to suit your needs.

Invariably, there are conditions, the most common ones being:

• • Some insurers will insist on regular visits being made to the building.  These don’t have to be made by the owner; it just needs to be frequently inspected

• • Insurers will almost certainly want you to remove any valuables from the premises

• • What condition is the building in?  If it is not secure – e.g., with broken windows or missing doors – it’s unlikely you’ll find cover

• If it’s vacant during the winter, insurers may ask that the heating be left on to reduce the risk of burst pipes or may agree to the system being drained

How much you pay will depend on factors such as:

• The length of time it will be unoccupied
• Its value
• Where it is
• Its condition
• The level of security – those with burglar alarms, security lights, window locks, etc. will attract lower premiums as they represent a lower risk
• If it is at risk from flooding
• The rebuild costs

Typically, the following won’t be covered:

• Loss or damage as a result of unforced entry, e.g., when windows or doors are left open
• Damage caused by major works, e.g., by the building of extensions/structural repairs
• Damage caused by contractors