Fiat Coupe Forum
- Founded by Kayjey & James Northam
- Funded by the Club for the benefit of all owners
Fiat Coupe Club UK
join the club
Fiat Coupe Forum
 
» Announced
    Posting images


» Related sites
    Main club site
    fiatcoupe.net


» External data
    owners listed
 
Who's Online Now
2 registered members (jpmatrix36, RichG), 142 guests, and 6 spiders.
Key: Admin, Global Mod, Mod
Forum Statistics
Forums70
Topics113,815
Posts1,341,136
Members1,736
Most Online2,346
Apr 14th, 2025
Top Posters(All Time)
barnacle 33,792
stan 32,122
Theresa 23,330
PeteP 21,899
bockers 21,079
Edinburgh 17,962
JimO 17,917
Nigel 17,376
RSS Feeds
Club Events
Club Information
Track Events
Rolling Road/RWYB
Social Events
Non-UK Events
Coupé Related Chat
Coupé Spotting
Coupé News/Press
Buying/Selling Advice
Insuring a Coupé
Basic FAQ's
How to Guides
Forum Issues
Technical Problems
General Maintenance
Styling
Tuning
Handling
ICE and Alarm
Coupés for Sale
Coupés Wanted
Parts for Sale
Parts Wanted
Group Buys
Business Forum
Other Vehicles for Sale/Wanted
Other Items for Sale/Wanted
Haggling/Offers
Ebay links
Other Cars
Other Websites
General Chat
Previous Thread
Next Thread
Print Thread
Home insurance for unoccupied property - advice #1546015
02/08/2015 11:37
02/08/2015 11:37
Joined: Dec 2005
Posts: 16,603
Corridor of Uncertainty
J
Jim_Clennell Offline OP
Forum veteran
Jim_Clennell  Offline OP
Forum veteran
J

Joined: Dec 2005
Posts: 16,603
Corridor of Uncertainty
We completed on a house on Friday and obviously want to get it insured ASAP. However, when I tried to get it insured with More Than, who insure our car (to get the reduction offered with multiple policies), they said they won't insure it as we aren't moving in for a month (we have paid for our current tenancy until December and want to decorate the new place before we move).
It seems that it is a more tricky proposition getting insured on unoccupied properties - can any forum guru recommend a company that will do so?

Re: Home insurance for unoccupied property - advice [Re: Jim_Clennell] #1546025
02/08/2015 13:44
02/08/2015 13:44
Joined: Jan 2006
Posts: 5,294
Portsmouth
A
ali_hire Offline
Forum is my life
ali_hire  Offline
Forum is my life
A

Joined: Jan 2006
Posts: 5,294
Portsmouth
Almost all insurers will provide unoccupied cover for 30 days on a standard policy.

If you need longer than this then it still isn't particularly unusual and I would have thought that most insurers should be able to provide cover (probably at a higher price).

Thousands of people go on long travelling holidays, work abroad for part of the year, extend the property and move out while the work's going on, etc. Almost all student landlords will have their properties empty for two months in the summer.

Moneysupermarket has a page dedicated to non-standard home insurance.

Re: Home insurance for unoccupied property - advice [Re: Jim_Clennell] #1546060
02/08/2015 18:45
02/08/2015 18:45
Joined: Jun 2008
Posts: 1,313
Kent, South East
Cooperman Offline
Former Membership Secretary 215
Cooperman  Offline
Former Membership Secretary 215
My job on the forum

Joined: Jun 2008
Posts: 1,313
Kent, South East
Towergate insurance will insure unoccupied property as I found with my mums bungalow which took some tie to sell after I moved her closer to the family. There are some points to bear in mind regards regular checks on an empty property and it will cost more obviously than std insurance.


[Linked Image]
Re: Home insurance for unoccupied property - advice [Re: Jim_Clennell] #1546064
02/08/2015 19:05
02/08/2015 19:05
Joined: Dec 2005
Posts: 16,603
Corridor of Uncertainty
J
Jim_Clennell Offline OP
Forum veteran
Jim_Clennell  Offline OP
Forum veteran
J

Joined: Dec 2005
Posts: 16,603
Corridor of Uncertainty
Thanks people; I think More Than are a typical "vanilla" insurance company, who won't look at anything outside the absolute norms to enable them to offer good rates.
Unfortunately, it could be up to 6 weeks before we move in, so 30 days won't cut it.
Of course, once we move, we'll be screwed on the insurance for the house we are renting...

Re: Home insurance for unoccupied property - advice [Re: Jim_Clennell] #1546066
02/08/2015 19:42
02/08/2015 19:42
Joined: Jun 2008
Posts: 1,313
Kent, South East
Cooperman Offline
Former Membership Secretary 215
Cooperman  Offline
Former Membership Secretary 215
My job on the forum

Joined: Jun 2008
Posts: 1,313
Kent, South East
Tower gate do offer month by month insurance cover if that helps smile


[Linked Image]
Re: Home insurance for unoccupied property - advice [Re: Jim_Clennell] #1546067
02/08/2015 20:00
02/08/2015 20:00
Joined: Dec 2005
Posts: 16,603
Corridor of Uncertainty
J
Jim_Clennell Offline OP
Forum veteran
Jim_Clennell  Offline OP
Forum veteran
J

Joined: Dec 2005
Posts: 16,603
Corridor of Uncertainty
Thanks Coooperman, I'll give them a shout.

Re: Home insurance for unoccupied property - advice [Re: Jim_Clennell] #1546310
05/08/2015 13:23
05/08/2015 13:23
Joined: Dec 2005
Posts: 16,603
Corridor of Uncertainty
J
Jim_Clennell Offline OP
Forum veteran
Jim_Clennell  Offline OP
Forum veteran
J

Joined: Dec 2005
Posts: 16,603
Corridor of Uncertainty
I ended up calling More Than back and spoke to someone with a bit more common sense. As long as the property isn't unoccupied for more than 60 days in total over the year (it won't be), then we are fine. £109 for 12 months.


Powered by UBB.threads™ PHP Forum Software 7.7.1
(Release build 20190129)
PHP: 7.3.33 Page Time: 0.009s Queries: 14 (0.004s) Memory: 0.7690 MB (Peak: 0.8377 MB) Data Comp: Off Server Time: 2025-07-21 17:10:00 UTC