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Landlords and Unoccupied Insurance through UK General.

We and your premium finance provider understands the financial worries of this pandemic and are here and waiting to hear from you to find a solution which works best for you and your family. Please contact Close Brothers on 0333 321 8566 or [email protected].

We are here to help and have monthly direct debit options available to assist you and your family; please contact us to find a solution which works for you.

For the time being, to make life easier for you, we do not need to be notified where the tenant is carrying out clerical work from home, for example using a phone, computer or laptop due to the current Government guidelines. If the tenant is carrying out any other form of work or has employees or visitors to the home please contact us to discuss this.
Once things are back to normal we would consider this a change to the Statement of Fact and we would, therefore, need to be notified as usual.

Tenant’s contents including business equipment is not covered and cannot be added to the policy.

No, this is not covered by the policy.

For the time being, to make life easier for you, no, you do not need to disclose this information.   
Once things are back to normal we would consider this a change to the Statement of Fact and we would, therefore, need to be notified as usual.

It is acceptable that the friend or carer is staying as a result of COVID-19. If the friend or carer continues to stay with the tenant after self-isolation / stay at home finishes, then the policy will need to be updated.

No, this is not covered by the policy. Loss of rent is only payable should the property become uninhabitable due to loss or damage by an insured peril. Please refer to the relevant section of the policy wording for further information.

Where your property remains temporarily unoccupied due to Covid-19 you will not need to advise us and the existing level of cover will continue for a further period of 90 consecutive days from the expiry of the initial unoccupancy period. 
You will be required to inspect the property as soon as the Government guidelines permit you and maintain logs of this activity.

Where your property becomes temporarily unoccupied due to Covid-19 you will not need to advise us of the temporary unoccupied status of the property, and the existing level of cover will continue for a period of 90 consecutive days from the date the tenant became unwell or when they were unable to travel home.
You will be required to inspect the property as soon as the Government guidelines permit you and maintain logs of this activity.

The existing level of cover will continue for a period of 90 consecutive days from the date the day you became unwell, began self-isolation or date you are instructed to remain in your home by the Government.
You will be required to inspect the property as soon as the Government guidelines permit you and maintain logs of this activity.
Where unoccupancy is not due to Covid-19, normal Policy Conditions apply.