Commercial Express

The Value Added MGA

01384 473021

Residential Short Term Unoccupied


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

Tokio Marine HCC or Channel Syndicate 2015


  • 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 comparisonTokio Marine HCC
Channel 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

Features & Benefits

  • 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)
  • 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