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Armed Forces Unoccupied Property Insurance


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Unoccupancy and/or Renovations no problem

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  • Specialist advice to ensure you get the right cover at the right price
  • Theft - malicious damage cover can be included
  • Contents cover available for empty property
  • Flexible policies for short term cover
  • Interest free monthly instalments available
  • Short term cover with no cancellation charge

Armed Forces Unoccupied Property Insurance

 If you are a serviceman, you are probably accustomed to tours of duty overseas, deployment away from home or a call to manoeuvres elsewhere in the country or abroad. You may well have learned that the call may come at a moment’s notice.

So, if you own your home, are you prepared to put your property in order when you are called away? Are you sure that it is adequately protected by the insurance you need?

What is unoccupied home insurance for military personnel and what does it cover?

Be prepared for the call by giving some thought in advance to the need for specialist armed forces unoccupied property insurance.

Just as the name suggests, this is cover specially designed for servicemen and women who own their own homes but who may need to leave the property empty and unoccupied whenever duty calls – it might be for a month or two, but it might just as easily stretch into a year or more.

Unoccupied home insurance for military personnel ensures that your home – the building and its contents  - remain comprehensively protected while you are away. The risks are many, so empty property insurance cover for the military ensures that your home continues to be safeguarded against such potentially disastrous events as fire, explosions, impacts, storm damage, floods, escape of water, theft and vandalism.

Even though you are not living there, you also retain a duty of care to anyone visiting your home, your neighbours and members of the public. If anyone is injured or has their property damaged in some connection with your home, you may be held liable and sued for compensation. Unoccupied property insurance for the armed forces, therefore, typically includes indemnity against such claims by way of property owners’ liability insurance.

Why may you need armed forces unoccupied property insurance?

But why does this need for specialist unoccupied property insurance arise in the first place?

If you take a closer look at any standard home building and contents insurance you may have arranged, you are almost certain to find a particular clause tucked away in the small print. This explains that cover becomes severely restricted – or might even lapse altogether – once your home has been unoccupied for a consecutive period of between 30 and 45 days (the precise interval is likely to vary from one insurer to another).

That is because insurers take the view that your empty home is more vulnerable to risks than when you are living there:

  • an otherwise routine maintenance or repair job might develop into a full-blown emergency if there is nobody at home to spot the fault; and

  • an empty home is more than usually vulnerable to intruders, burglars, squatters and arsonists.

Armed forces unoccupied property insurance restores the cover and protection you need for your home.

Why choose us at UKinsuranceNET?

Since we started business more than 18 years ago, we have fast become one of the UK’s leading independent, online insurance brokers.

Our attention to first-class customer service is second to none and we are proud to serve those many servicemen and women for whom armed forces unoccupied property insurance is so essential.