What is an Unoccupied Clause?

A vacant property usually poses a significantly increased risk to the insurance company.

Insurers may still offer cover but may want:

  • An increased premium, or
  • An increased excess, or
  • Reduce the cover they would otherwise normally provide, or
  • A combination of all three options

In return they will usually require that the premises is at least:

  • Regularly inspected
  • Boarded up, and
  • The services turned off

It is critical for the Policyholder to clearly understand what is required of them when a property is unoccupied, as ignoring these terms may lead to a claim not being paid.


If you have any questions, speak directly to an expert on 020 3159 4313