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Unoccupied Property Insurance

Unoccupied Property Insurance

Looking for a quote for unoccupied property insurance? Protect your vacant property with our tailor-made unoccupied property insurance.

Why Choose Us?

Finding competitive unoccupied property insurance can often be a challenge as many home insurance companies will not even consider this type of cover. At Watkin Davies, our skilled team of insurance advisors know exactly where to look to find the best cover available on the market. Not only will we find you a competitive deal, we will talk you through the provisions in plain English, so you understand exactly what is expected of you.

What is Unoccupied Property Insurance?

Unoccupied home insurance covers you when your home is empty for longer than your standard policy will allow. You only normally get cover if your home is empty for up to 60 days – and if anything happens outside this period you won’t be covered.

When your home is empty for an extended period, the chances of theft go up. An unoccupied home also carries a higher risk of structural damage – for example, if a pipe bursts and there’s no-one there to handle repairs, the effects could be even more damaging.

An important factor to bear in mind is a consequence of The Occupiers Liability Act 1957, which makes the owner of a vacant property legally liable for any death or injury to visitors or trespassers on the property. Owners owe a duty of care to ensure vacant premises are well secured and prevent access to children. This ensures the absolute necessity for liability insurance.

What do we cover?

  • Storm, flood or fire damage: If any natural disaster happens while you’re away
  • Escape of water or oil: If a pipe bursts or there’s a leakage somewhere in the house
  • Theft and/or attempted theft: If someone successfully breaks in or attempts to break into your home and steals your belongings
  • Vandalism: If criminal damage occurs in your absence
  • Legal expenses: If you need to pay legal fees for the removal of squatters, for trespassers or for personal identity theft
  • Public liability insurance: If damage is caused by a property that you are responsible for; for example, if a roof tile falls and breaks a car window
Talk to the experts and let us find the right policy for you

Try us out and see how we can help make finding the right insurance cover that little bit easier for you.

Cardiff 02920 621 056
Newport 01633 250 282
Ystrad Mynach 01443 816 099

What Our Customers Say

Google Reviews
19 Reviews

Gary Williams

2022-06-06

"Just could not have been more helpful! A pleasure to speak to a ‘real person’ who knew what they were talking about!"

Pam Warner

2022-04-03

"Very happy with the service provided. We have found Watkin Davies Insurance Consultants very helpful and always research the best deal for the customer."

Peter brown

2022-01-24

"I recently renewed my motor insurance with Watkin Davies. Shelley was extremely helpful and efficient and the overall experience was excellent."

Jane Stark

2021-07-05

"Used Watkin Davies for a number of years personally and for business. The service is impeccable."

Susie McGrath

2022-10-10

"Very happy with the service provided. I’ve always found the staff very helpful, pleasant and professional."

Patricia Brinkley

2022-10-10

"The service provided is very professional and helpful, of good value. Thank you."


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About Watkin Davies

Watkin Davies Insurance Consultants Ltd. is an independent Insurance Broker, our head office is in Cardiff, in the village of Whitchurch close to the M4 motorway. The business was established by Roger Watkins in 1978 and is the trusted insurance advisor to many individuals and businesses throughout the UK. We are proud of our independent status and pride ourselves on our customer service.

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  • We are proud of our claims service, our aim is to provide our customers with a first class service and ensure settlement is met within our customers expectations.
  • We have a highly skilled team, working hard to understand our customers requirements and needs & pride ourselves on customer service.
  • We have access to a comprehensive panel of insurers that allow us to provide cover you need at a competitive premium.
  • The business was established by Roger Watkins in 1978 and is the trusted insurance advisor to many individuals and businesses throughout the UK.

Watkin Davies Insurance Consultants Ltd (Part of the Aplan Group) Including trading names of CAR, InstructorcoverPlus, Quentin L Jones & PropertycoverPlus, Registered in England and Wales (No 02102120). Registered office 2 Des Roches Square, Witan Way, Witney. OX28 4LE.
Authorised and regulated by the Financial Conduct Authority (FCA No 136066)