What to do if your property is going to be unoccupied for more than 60 days if domestic and 30 days if a commercial property
Your property may become unoccupied for various reasons such as extended vacation, end of tenancy, used as second or holiday Home etc.
The policy definition of an Unoccupied property is as follows:
Any building or portion of a building or a Residential Unit in a building that is empty, void, vacant or disused or no longer in active use for a period exceeding thirty consecutive days or sixty days in respect of any building solely used for residential purposes.
If your property falls into the above category you should refer to the Unoccupied Buildings section of the policy wording to allow you to comply with the insurance condition. Our insurance brokers Protector have provided risk management guidance for unoccupied domestic properties, which includes a handy checklist to keep you right if your property is or is going to become unoccupied.
James Gibb doing it the right way