Call Us
Cardiff
029 2062 6226
Newport
01633 250282
Ystrad Mynach
01443 816099
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
- 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
Gary Williams
"Just could not have been more helpful! A pleasure to speak to a ‘real person’ who knew what they were talking about!"
Pam Warner
"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
"I recently renewed my motor insurance with Watkin Davies. Shelley was extremely helpful and efficient and the overall experience was excellent."
Jane Stark
"Used Watkin Davies for a number of years personally and for business. The service is impeccable."
Susie McGrath
"Very happy with the service provided. I’ve always found the staff very helpful, pleasant and professional."
Patricia Brinkley
"The service provided is very professional and helpful, of good value. Thank you."
What Our Customers Say
Gary Williams
"Just could not have been more helpful! A pleasure to speak to a ‘real person’ who knew what they were talking about!"
Pam Warner
"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
"I recently renewed my motor insurance with Watkin Davies. Shelley was extremely helpful and efficient and the overall experience was excellent."
Jane Stark
"Used Watkin Davies for a number of years personally and for business. The service is impeccable."
Susie McGrath
"Very happy with the service provided. I’ve always found the staff very helpful, pleasant and professional."
Patricia Brinkley
"The service provided is very professional and helpful, of good value. Thank you."
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 you and protect your home 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.