An elderly neighbour of mine recently had a severe stroke and is presently confined to hospital with no estimate of discharge date, if any. His home insurance has become due and the insurer advises that if his home remains unoccupied for longer than 60 days he will no longer have cover. He lives alone, has no remaining family and his property is subject to an equity release deal. How can he get cover?

Bob 10MY (Sept 09) TD4 HSE Auto in Stornoway Grey (Now Gone)

08 FL2 TD4 SE Manual in Rimini Red (Now Gone)

Could you 'stay' there one night  Common sense isn't very common.
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2007 Land Rover Freelander2 I6 hse Auto

I have just had similar problem with a relative's house which is now unoccupied.

The Insurance continues at a slight increase in fee, but;

Q: For how long can I leave my home unoccupied?
A: If your home is left unoccupied for more than 60 consecutive days then your level of cover is reduced.

Some of the main exclusions are against loss or damage caused by:
malicious acts or vandalism
escape of water or oil
theft, or attempted theft
freezing of the water or heating system
accidental damage.

https://ask.co-opinsurance.co.uk/help/home...unoccupied FL2 XS SD4 Auto 2010 2012-2017 (21k - 91k miles) (MY2011)
FL2 Metropolis SD4 Auto 2014 2017- (16k - 76k+ miles) (MY2015)

axle wrote:

Could you 'stay' there one night

IanMetro wrote:

I have just had similar problem with a relative's house which is now unoccupied.

https://ask.co-opinsurance.co.uk/help/home...unoccupied

I live in a village with lots of holiday/second homes which seem to be unoccupied for most of the year. I wonder how they fare? A lot are thatched and have ever increasing insurance issues like need to have all cabling in the loft in trunking (keeps mice away), only use compression fittings in plumbing (ie no blowlamps). 3 x FL1 2 manual + 1 auto
5 x FL2 4 manual + 1 auto
Now Discovery Sport P250 MHEV SE

I guess your part-time villagers are on the edge of insurance cover, Dorset. Unless they get down there every 8 weeks or so they are at risk. Especially with those old cottages. I have a sister with an old cottage in Kings Stag, so I can imagine. Grandad and Gt Grandad born in Marnhull.

Bob 10MY (Sept 09) TD4 HSE Auto in Stornoway Grey (Now Gone)

08 FL2 TD4 SE Manual in Rimini Red (Now Gone)

Almost certainly, you have misquoted the insurance company; they will not have stated the property is uninsured after 60 days, but more likely, if the property is vacant for more than 30 days to inform the insurance company. I went through a similar problem with my mother going into a care home for an indefinite period. The Ins Co specified certain conditions like turning off water, maintaining heating at min 15deg, window locks, door mortice locks, etc. and they maintained cover on an empty house for 18 months.

Thanks for your reply, Paul. No misquote from insurance company. In discussion over the phone was told cover lost after 60 days unoccupied. I may well call them again to clarify. Possibly a misinformed operator. It was them though, who supplied the name and number of a specialist broker I have since spoken to. Easy enough to meet the requirements you quoted though.

Bob 10MY (Sept 09) TD4 HSE Auto in Stornoway Grey (Now Gone)

08 FL2 TD4 SE Manual in Rimini Red (Now Gone)

I had similar issue when I acted as PoA for an old friend who was admitted to hospital then a Care Home. Had to find a company that dealt with insuring empty properties and arrange cover through one of them,

The cost was quite high, I can't remember now what it was but around £60 per month feels familiar and I had to visit property monthly and check security, plumbing etc.

I imagine that any broker would be able to help but it does need someone to organise, arrange payment and do the checks if required.

Hi

Our Farnham branch may be able to help... they have specialist home policies and do have some options for unoccupied homes.
Their number is 01252 725725

Good luck!
Carlie A-Plan Insurance | Specialist Vehicle
Call us on 01635 874646 for a quotation Click Here