Unoccupied

Residential Unoccupied

PIUA can give you three levels of cover for Residential Unoccupied, from Level 1 – Fire, Lightning, Explosion, Earthquake, Aircraft, Malicious Damage, Weight of Snow and Subsidence* Only, to Level 3 –Theft, Malicious Damage and Escape of Water up to the Sum Insured. For any price sensitive clients Level 2 might be a good option with Theft, Malicious Damage and Escape of Water up to £2,500 covered at a reduced premium.

Some key benefits of our Residential Unoccupied Scheme are:

• Unfixed Building Materials up to £5,000
• Fire, Lightning, Earthquake, Explosion, Aircraft - Excess Nil
• Property Owners Liability limit of £2,000,000 with £5,000,000 available at an additional premium
• Level 2 cover Includes Theft/Malicious Damage & Escape of Water up to £2,500

Commercial Unoccupied

Our Commercial Unoccupied policy covers your clients for the standard perils as well as a number of wider perils including riot and civil commotion; flood; impact by vehicles and animals and Property Owners Liability.

Some Key benefits of our Commercial Unoccupied Scheme are:

• Unfixed Building Materials up to £5,000
• Fire, Lightning, Explosion, Aircraft - Excess Nil
• 2 Cover Options – Fire, Lightning, Explosion, Aircraft, Malicious Damage and Weight of Snow and Wider Perils
• Property Owners Liability limit of £2,000,000 with £5,000,000 available at an additional premium

*Where noted within the Policy Schedule &/or Statement of Fact