Commercial Express

The Value Added MGA

Short Term Unoccupied


Give your clients different options that suit them when their property is most at risk with our Short Term Unoccupied Policy.


  • Ideal for residential properties that are going through probate, being sold or are being renovated for owner occupation
  • Choose from 3, 6 or 9 month periods of Insurance
Insurer cover comparisonLloyd's AXISChannel Syndicate 2015 at Lloyd's
Landlord’s Contents availableYesYes
Option to extend Property Owner’s Liability to £5,000,000NoYes
Restriction on the term of unoccupancy prior to inception5 Years3 Years
Pipe Lagging discount availableNoYes


  • Fire, Lightning, Aircraft, Explosion, Storm, Flood, Subsidence, Landslip and Heave
  • Property Owner’s Liability £2,000,000 (up to £5,000,000 on The Channel Syndicate 2015 at Lloyd’s)
  • Loss of Metered Water: limit £2,500 anyone claim, maximum £5,000 anyone period of insurance
  • Loss or damage caused by emergency services - £1,000 anyone period of insurance


  • Cover available for unoccupied properties pending sale and renovation