Unoccupied Property Insurance – Residential and Commercial

Unoccupied Property Insurance – Residential and Commercial

Owning a vacant property can present unique challenges. Our Unoccupied Residential and Commercial Property Insurance policy is specifically designed to address and mitigate these concerns, providing tailored coverage for properties that remain unoccupied.

Get a quote

We can offer the following benefits:

Maximum Building Sum Insured of £2.5m
3, 6 & 12 month policies available
Flexible cover options available
Fire, Lightning, Earthquake, Explosion (FLEE) cover options available
Flexible terms of 3, 6 & 12 month policies - should the property become tenanted or occupied during the period of insurance; we can simply amend the policy.

Specialists in property owner risks, including difficult to place non-standard risks, there are many benefits to partnering with Vasek, including:

The capability to insure property portfolios with no limit on the number of properties
Seamless property owner quoting via the Acturis platform, eliminating the need for rekeying information
The flexibility to amend ‘occupancy types’ across all property owner policies
Access to our bespoke online broker portal
Access to experienced in-house underwriting teams with delegated authority up to £50,000, providing dedicated claims handling and enhanced claims capacity.
Underwriting backed by A++ rated insurer(s)*
Nationwide support from dedicated Business Development Managers in the UK
*Independent ratings from third party rating companies. Correct as of January 2026.

Insurance Product Information Document (IPID) / Policy Wording

View or download documents related to this product

Insurance Product Information Document (IPID) - Unoccupied Property Policy Wording - Unoccupied Property Insurance Product Information Document (IPID) - Unoccupied Property (Essential) Policy Wording - Unoccupied Property (Essential)

Not the Right Product?

View our alternative insurance products below

Unoccupied Property Insurance – Residential and Commercial

Insurance Product Information Document (IPID) / Policy Wording

View or download documents related to this product

Insurance Product Information Document (IPID) - Unoccupied Property Policy Wording - Unoccupied Property Insurance Product Information Document (IPID) - Unoccupied Property (Essential) Policy Wording - Unoccupied Property (Essential)

Not the Right Product?

View our alternative insurance products below

Unoccupied Property Insurance – Residential and Commercial

Owning a vacant property can present unique challenges. Our Unoccupied Residential and Commercial Property Insurance policy is specifically designed to address and mitigate these concerns, providing tailored coverage for properties that remain unoccupied.

Get a quote

We can offer the following benefits:

Maximum Building Sum Insured of £2.5m
3, 6 & 12 month policies available
Flexible cover options available
Fire, Lightning, Earthquake, Explosion (FLEE) cover options available
Flexible terms of 3, 6 & 12 month policies - should the property become tenanted or occupied during the period of insurance; we can simply amend the policy.

Specialists in property owner risks, including difficult to place non-standard risks, there are many benefits to partnering with Vasek, including:

The capability to insure property portfolios with no limit on the number of properties
Seamless property owner quoting via the Acturis platform, eliminating the need for rekeying information
The flexibility to amend ‘occupancy types’ across all property owner policies
Access to our bespoke online broker portal
Access to experienced in-house underwriting teams with delegated authority up to £50,000, providing dedicated claims handling and enhanced claims capacity.
Underwriting backed by A++ rated insurer(s)*
Nationwide support from dedicated Business Development Managers in the UK
*Independent ratings from third party rating companies. Correct as of January 2026.

Did you know...

This cover provides for properties unoccupied due to renovations or for other reasons
Our full cover is available
This cover offers the flexibility to convert to ‘occupied’ on all policies via a Mid- Term Adjustment (MTA)
Policy limits and exclusions may apply, please see the policy wording for full terms and conditions.