Home insurance when unoccupied


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John Franklin
John Franklin
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I am trying to arrange insurance cover for a UK home when it is unoccupied for a lengthy period. Most UK insurers will only cover for 60 days at the most. Topsail have advertised a product but it is limited to a maximum of 180 days unoccupied.

Does anyone have any suggestions, or any experience? How do long term cruisers deal with this issue?

John Franklin
John Franklin
Junior Member (65 reputation)Junior Member (65 reputation)Junior Member (65 reputation)Junior Member (65 reputation)Junior Member (65 reputation)Junior Member (65 reputation)Junior Member (65 reputation)Junior Member (65 reputation)Junior Member (65 reputation)
Group: Forum Members
Posts: 121, Visits: 264
John Franklin - 4/17/2019
I am trying to arrange insurance cover for a UK home when it is unoccupied for a lengthy period. Most UK insurers will only cover for 60 days at the most. Topsail have advertised a product but it is limited to a maximum of 180 days unoccupied.

Does anyone have any suggestions, or any experience? How do long term cruisers deal with this issue?

I am pleased to report that following contact with Topsail, who do not themselves off home insurance, they referred me to an associated Broker, Reid-Briggs in Eastbourne, who have given me a quote for up to 8 mouths unoccupancy. This suits our current needs and the price and terms are reasonable.
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