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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.
What Our Customers Say
Mal Elwood
"Very efficient, always friendly and helpful. I have used Watkin Davies for years, and they have always been competitive. I received great support recently when I had to make a claim, so I'd highly recommend them."
A Ali
"I was very impressed with the quality of the service - it was outstanding. The advisor, Ms Spear went above and beyond to give me the best driving insurance policy. The policy I have received is exactly what I was looking for. Thank you so much Ms Spear!"
Adam Kearns
"I've used Instructorcover Plus for my driving instructor insurance for a number of years. Not only are prices competitive, even at renewal, but customer service is fantastic. Call operators are always cheerful and incredibly helpful. Everything is always sorted in a single call, saving valuable time. Highly recommend."
Macca Ginger
"Absolutely superb service from the team, particularly Natalie. Very easy and simple process"
steve rudgley
"As aways very efficient"
Barrie P
"I have used InstructorcoverPlus for my driving tuition insurance for a number of years. Their prices are always competitive and everyone I speak to is friendly and helpful."
Kathryn Parkes
"Ceri was very helpful and knowledgeable on the phone"
John Gabriel
"Karrie Brewer was so helpful today, especially as one insurance company would not quote, so had to shop around for us, many thanks"
Sulman Khosty
"Kelly is amazing. Very helpful and friendly, did a great job today with helping me out to get insured. Amazing service!"
Andy Amadi
"Great service. Got my first driving instructor insurance with this firm. Price was competitive and customer service provided by Jane was great. I will definitely recommend the service."
Lynne Turner
"Team were very helpful when it came time to renew my policy, taking the time to check and make any amendments needed. Would highly recommend."
Nikki Mellin
"5 stars!"
Pam Durbin
"Excellent service from Watkin Davies as per usual. I love the way they do all the hard work researching best quotes and provide you with your options. All the staff are very friendly and professional, I have to highlight Ceri who always does a fantastic job for me and my family."
Steve P
"Really helpful and efficient customer service, friendly and knowledgeable too. I would highly recommend InstructorcoverPlus."
Ricki Dango
"I m a returning customer and what a wonderful experience. Emma is new to her role but she was very helpful and polite throughout. She got the quote done very quickly and managed to beat all my other quotations. I therefore didn't have to waste any more time. Further she offered me three instalments at 0% which is helpful in this current economic climate. The paperwork was sent straight away. Highly recommended."
Gary Williams
"Once again, could not have been more helpful! Still a pleasure to speak to a 'real person' who knew what they were talking about!"
Related Services
Looking for a quote for buy to let insurance? We're here to help you with all your buy to let insurance needs.
Looking for a quote for car insurance? Car insurance that doesn't catch you out, from the experts at Watkin Davies Insurance Consultants Ltd. Get a quote today and see how we can help you.
Looking for a quote for breakdown cover? Breakdown cover from Watkin Davies, so a bump in the road won’t take the shine off your day.
Looking for a quote for classic car insurance? Your classic car is an icon. Give it the insurance it deserves.
Tempcover is a leading provider of short-term insurance in the UK, here to help you find flexible temporary cover quickly and easily. Get the policy you need by receiving the cheapest quote from our panel of insurers for durations from 1 day up to 28 days.
High Value Car Policies from our Prestige range at Watkin Davies, can stretch your protection further than standard motor insurance.
With over 40 years experience within the Personal Insurance industry, we believe we have the knowledge and people to truly help you find the best policy for your needs and requirements.
"Home sweet home" Dedicated home insurance from the experts at Watkin Davies.
Looking for a quote for motorhome or campervan insurance? Let the experts help find the right insurance policy for your home away from home.
Looking for a quote for caravan insurance? Let the experts help find the right caravan policy for you.
Looking for a quote for motorcycle insurance? From superbikes to scooters let us take care of your motorcycle insurance needs.
Looking for a quote for commercial property insurance? We're here to help you with all your commercial property insurance needs.
Looking for a quote for holiday home insurance? We're here to help you with protecting your holiday home the right way.
Looking for a quote for landlords’ insurance? Comprehensive and tailor-made buildings insurance for landlords and property investors.
Looking to insure your high value property? Trust the experts at Watkin Davies who have been protecting your High Value assets since 1978.
Looking to insure your van? Whether you're carrying tools or goods. We have you covered. Speak to the experts at Watkin Davies Insurance Consultants.
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.
- 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.
- Breakdown Cover
- Campervan & Motorhome Insurance
- Car Insurance
- Caravan Insurance
- Classic Car
- GAP Insurance
- High Value Car Insurance
- Motorcycle Insurance
- Temp Cover
- Van Insurance
- Buy-To-Let Insurance
- Commercial Property Insurance
- High Value Home Insurance
- Holiday Home Insurance
- Home Insurance
- Landlords Insurance
- Unoccupied Property Insurance
Motor Insurance
Property Insurance
What Our Customers Say
Mal Elwood
"Very efficient, always friendly and helpful. I have used Watkin Davies for years, and they have always been competitive. I received great support recently when I had to make a claim, so I'd highly recommend them."
A Ali
"I was very impressed with the quality of the service - it was outstanding. The advisor, Ms Spear went above and beyond to give me the best driving insurance policy. The policy I have received is exactly what I was looking for. Thank you so much Ms Spear!"
Adam Kearns
"I've used Instructorcover Plus for my driving instructor insurance for a number of years. Not only are prices competitive, even at renewal, but customer service is fantastic. Call operators are always cheerful and incredibly helpful. Everything is always sorted in a single call, saving valuable time. Highly recommend."
Macca Ginger
"Absolutely superb service from the team, particularly Natalie. Very easy and simple process"
steve rudgley
"As aways very efficient"
Barrie P
"I have used InstructorcoverPlus for my driving tuition insurance for a number of years. Their prices are always competitive and everyone I speak to is friendly and helpful."
Kathryn Parkes
"Ceri was very helpful and knowledgeable on the phone"
John Gabriel
"Karrie Brewer was so helpful today, especially as one insurance company would not quote, so had to shop around for us, many thanks"
Sulman Khosty
"Kelly is amazing. Very helpful and friendly, did a great job today with helping me out to get insured. Amazing service!"
Andy Amadi
"Great service. Got my first driving instructor insurance with this firm. Price was competitive and customer service provided by Jane was great. I will definitely recommend the service."
Lynne Turner
"Team were very helpful when it came time to renew my policy, taking the time to check and make any amendments needed. Would highly recommend."
Nikki Mellin
"5 stars!"
Pam Durbin
"Excellent service from Watkin Davies as per usual. I love the way they do all the hard work researching best quotes and provide you with your options. All the staff are very friendly and professional, I have to highlight Ceri who always does a fantastic job for me and my family."
Steve P
"Really helpful and efficient customer service, friendly and knowledgeable too. I would highly recommend InstructorcoverPlus."
Ricki Dango
"I m a returning customer and what a wonderful experience. Emma is new to her role but she was very helpful and polite throughout. She got the quote done very quickly and managed to beat all my other quotations. I therefore didn't have to waste any more time. Further she offered me three instalments at 0% which is helpful in this current economic climate. The paperwork was sent straight away. Highly recommended."
Gary Williams
"Once again, could not have been more helpful! Still a pleasure to speak to a 'real person' who knew what they were talking about!"