Towergate AUL

From time to time properties become unoccupied for a variety of reasons and often-existing insurers will simply lapse insurance cover creating a difficult problem for the property owner.

The Unoccupied Property Policy provides a solution to the need for buildings insurance in these circumstances and the policy may be changed to reflect an alternative future use, usually without additional charge.

The Policy is suitable for when renovating a property* - e.g. a loft conversion or the construction of an extension.

	Available online		Available by phone
	Individual Property Policies		Multiple-Property Policies
	Properties up to £250,000		Properties Up to £1.5 Million
	Non-standard Construction		Non-standard Construction
	Properties Undergoing Renovation		Properties Undergoing Renovation

The Unoccupied Property Policy can provide the following cover,
excluding the standard £250* excess, for damage caused by:

	Fire, Lightning, Explosion, Earthquake
	Escape of water from tanks or pipes
	Theft or attempted theft
	Violent disorder or persons of malicious intent
	Aircraft
	Escape of Oil
	Storm Tempest or flood
	Impact by vehicles
	Riot, civil commotion or labour disturbance
	Increased metered water charges resulting from escape of water due to an insured peril
	Subsidence - (excluding the first £1000 of each claim)
Please note that if the property is undergoing renovation, standard cover for damage caused by the above-insured perils will vary.

The Unoccupied Property Policy also includes the following extensions:

	Property Owners Liability (£2M limit of indemnity)
	Accidental damage to underground service supply pipes and cables, fixed glass and double glazing, solar panels, sanitary fixtures and ceramic hobs
	Loss of rent should the property become uninhabitable following damage caused by an insured peril

The Unoccupied Property Policy is arranged by Towergate AUL with insurance cover provided by AXA Insurance UK Plc. AXA Insurance UK Plc is a member of the Association of British Insurers (ABI) and the Financial Ombudsman Service (FOS). Your Policy therefore has the backing of a wide range of professionals and also ensures the peace of mind provided by all relevant consumer protection legislation.

Towergate AUL offer only one policy for each type of property insurance sold