Unoccupied Property Proposal Form

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Savendale has partnered with Pulse Insurance Limited to offer Unoccupied Property Insurance (UPI).

UPI is designed to cover properties that are vacant for extended periods of time for solicitors and their clients.

To receive a quotation, please complete the relevant boxes below then press the submit button at the end of the questionnaire.

Are you a property developer?
A person, persons or company who acquire a property in order to redevelop and sell without that property being occupied as a residence.
Do you habitually reside in England, Scotland, Northern Ireland, Wales or Isle of Man?
We are unable to initiate policies with start dates in the past. If you are requesting a quote with a start date more than 30 days in the future, kindly complete the form and include a note in the Additional Information section at the end.

Personal History

Have you or any director or partner (in the business or any other name under which you or they have been trading):

Suffered any loss or incurred any liability, whether insured or not, during the last 3 years as a result of the risks proposed (whether at this or any other premises) or had any claims made against you?
Been convicted of or in the course of being charged with any criminal offence (excluding driving offences and spent convictions)?
Been declared bankrupt or been a director of any company that went into liquidation?
Ever had any insurance declined, refused or cancelled by an insurer?
Is the Property a Listed Building?

Cover Required

Building Sum Insured

The Building Sum Insured should allow for:

  • The total cost of rebuilding the property with the use of existing construction materials including any outbuildings, walls, fences, gates, landlords fixtures & fittings, underground pipes and cables.
  • Professional fees
  • Debris removal costs.

Contents Sum Insured

The Contents Sum Insured should represent the full replacement value of contents belonging to the insured or for which they are legally responsible. This sum insured excludes valuables.

If the property is a block of flats, please enter the total sum insured for all flats.

Occupancy Details

Has the property been boarded up?
What is the floor construction?
Is the property more than 4 storeys high including any basement, loft or attic accommodation?
Is any part of the property flat roofed?
Is the building in a good state of repair?
This means that it is secure, structurally sound, weatherproof, there is no evidence of dry rot, rising damp or infestation and there is no damage to the roof or chimney
Is the property heated solely by electricity, and/or mains gas, and/or solid fuel and/or oil fired central heating?

Is the property built solely with;

Brick, stone or concrete walls (not pre-fabricated concrete)?
Timber framed with brick, stone or concrete outer walls only?
Slate, tile or concrete roof (other than flat roof sections)?

The Premises

Has the property ever been flooded and/or located within 10 metres of the sea, river, watercourse, lake, reservoir, canal or dam?
Is the property within 100 metres of a cliff, quarry or other excavation?
Is the property having any structural alterations, or major renovation work affecting load bearing walls or the roof, or are any such works being planned?
Has planning permission been obtained?
Is the property currently having any other building work undertaken, or planned within the next 12 months, that will cost more than £25,000 (including redecoration)?
Has the property experienced any existing or previous stepped/diagonal cracking, subsidence/ground heave/landslip, movement or underpinning?
In whole or in part ever used as a second home, a holiday let or have any commercial use whether to be insured under this policy or not?
Policy Term

3 levels of cover to choose from:

Level 1

  • Fire, lightning, explosion, earthquake or aircraft
  • Subsidence, ground heave or landslip (unless specifically excluded at quotation stage)
  • Property owners liability £2,000,000

Level 2

  • Full Standard cover with cover limited for theft, malicious damage and escape of water to £2,500
  • Subsidence, ground heave or landslip (unless specifically excluded at quotation stage)
  • Property owners liability £2,000,000

Level 3

  • Full standard cover including theft and malicious damage
  • Subsidence, ground heave or landslip (unless specifically excluded at quotation stage)
  • Property owners liability £2,000,000
Level of Cover Required
Property Owners Liability

Additional Information

I have read and amended the above form where necessary and all answers are correct to the best of my knowledge and belief. You must take reasonable care not to make a misrepresentation to the insurer. This means that all the answers you give and statements you make as part of your insurance application, including at renewal and when you make an amendment to your policy should be honest and accurate. If you deliberately or carelessly misinform the insurers, this could mean that part of or all of a claim may not be paid.

Pulse Insurance Limited is authorised and regulated by the Financial Conduct Authority and is an approved Coverholder at Lloyd’s.

Registered in England and Wales since 1998.

Registered Office

Pulse Insurance Ltd
6 Oxford Court
St James Road
Brackley
Northamptonshire
NN13 7XY

Contact Us

Phone: +44 (0)1603 626 904

Email: [email protected]

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