Unoccupied Insurance

Please answer the questions carefully and to the best of your knowledge, as our quotation will be based on the details you provide. Incorrect information could lead to an increased premium, claim being declined or invalidate an insurance.

Step 1 of 4 - Insurance proposer

Enter details of the insurance proposer, with option to add a joint proposer(s)

Cover start date?*

Quotes valid for up to 30 days

Select an insurance period?*

Enter details of the insurance proposer*

Title First name Surname

Joint proposer(s)?

Enter details of the joint insurance proposer(s)*

Title

First name

Surname

Click ⨁ sign to add more joint proposer(s)

Do you, or at least one named proposer, reside in the United Kingdom?*

Residing outside the UK, select where appropriate:

I/we are UK citizen(s) with a UK passport and bank account.

I/we live in a country within the EEA.

There is an appointed UK representative that looks after the property and carries out required inspections.

Email address?*

Enter Email Confirm Email

Telephone number?*

Please enter a phone number, with no spaces

Enter details about the property to be insured

Address of property to be insured?*

Enter postcode, then select address from drop-down
England, Wales & mainland Scotland addresses only

Postcode 1st line 2nd line Town / city Postcode

Reason for unoccupancy?*

Select from drop down list below

Any works, refurbishment or renovations planned during the policy period that exceed £50,000 when undertaken by an independent contractor or £10,000 when undertaken by anyone other than an independent contractor?*

Number of years unoccupied?*

Please advise us of the reason for the long length of time unccupancy?*

Type of property?*

Do you have to insure the buildings your flat or maisonette under the terms of your lease?*

Approximate year property built?*

Number of bedrooms?*

Is the property in a condition in which it could be lived in as a home?*

Construction of the external walls?*

Main construction of the roof?*

Approximate percentage of any flat roof?*

Is the property a listed building?*

About proposer(s) and the property to be insured

Any unspent criminal conviction(s) or prosecution(s) pending?

Please give details*

Ever been declared bankrupt, have any CCJs, IVAs or arrangements with creditors?

Please give details*

Ever had a proposal declined, had a policy cancelled by an insurer, renewal refused or had any special terms imposed?

Please give details*

Has the property previously flooded or are you aware of a risk of flooding in the locality?

Please give details*

Has the property ever been damaged by subsidence, ground heave or landslip, monitored for subsidence, survey reported settlement or movement, showing visible signs of cracking or within an area subject to subsidence or mining (past or present)?

Please give details*

Made any claims under home insurance policy for this or any other property or any incidents of damage or loss not insured, in the last 5 years?

Please give details*

If you do not have all the information you can save and return later, as incomplete answers will mean we cannot quote

Click ⨁ to add more row(s)

Month / Year

Type of Claim / Brief Description

Cost £

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IMPORTANT INFORMATION THAT MUST BE READ IN FULL

The information contained in this Statement of Fact forms the basis of your policy and is fundamental to the risk assumed by the Insurers. You must notify Ember JD Insurance Brokers immediately if any of the above details are incorrect as your cover might be invalidated if you do not.
Misrepresentation
We declare that to the best of my knowledge and belief the information I/We have provided in connection with this proposal to Ember JD Insurance Brokers, whether in my own hand or not, is true and complete and I/We have not withheld or misrepresented any information. I/We ask underwriters to act upon the information provided and issue a contract of insurance between us and I/We agree to accept underwriter’s policy terms, conditions and exclusions. I/We consent to the seeking of information from other insurers to check the answers I/We have provided and I/We authorise the giving of such information for such purposes. I/We understand that if I/We have withheld or misrepresented any of the information contained in this proposal, underwriters may be entitled to void the insurance.
Data Protection Act 1998
By accepting this Statement of Fact you consent to Ember JD Insurance Brokers using the information we may hold about you for the purpose of providing insurance and handling claims, if any, and to process sensitive personal data about you where this is necessary (for example, health information or criminal convictions). This may mean we have to give some details to third parties involved in providing insurance cover. These may include insurance carriers, third party claims adjusters, fraud detection and prevention services, reinsurance companies and insurance regulatory authorities. Where such sensitive personal information relates to anyone other than you, you must obtain the explicit consent of the person to whom the information relates both to the disclosure of such information to us and its use by us as set out above. The information provided will be treated in confidence and in compliance with the Data Protection Act 1998. You have the right to apply for a copy of you information (for which we may charge a small fee) and to have any inaccuracies corrected.
Basis of Cover
I understand that my acceptance of this Statement of Fact does not bind me to complete the insurance but agree that, should a contract of insurance be concluded, this Statement of Fact and the statements made in it and the information provided in connection with it will be relied upon by the underwriters in deciding whether to accept this insurance.
Your records
You should keep a record (including copies of any letters) of all information supplied to Ember JD Insurance Brokers for the purpose of entering into this insurance.
Change in Circumstance
You must inform Ember JD Insurance Brokers of any change in circumstances which may affect this insurance. If you are in any doubt you should consult Ember JD Insurance Brokers.
E.U. Disclosure Clause (UK)
Notice to the Proposer / Insured: The parties are free to choose the law applicable to this insurance contract. Unless specifically agreed to the contrary this insurance shall be subject to English Law.
Complaints
Any enquiry or complaint should be addressed in the first instance to your broker, Ember JD Insurance Brokers. The process for complaining directly to Lloyds can be found in the Complaints section of your Policy Wording.
The Financial Ombudsman
If you are still not satisfied with the way a complaint has been dealt with you may ask The Financial Ombudsman to review your case without prejudice to your rights in law. You can contact The Financial Ombudsman at:
The Financial Ombudsman Service
Exchange Tower
London
E14 9SR
Telephone: 0800 023 4567
www.financial-ombudsman.org.uk.

INSURANCE SINCE 1919

Enter details of the insurance proposer, with option to add a joint proposer(s)

Enter details about the property to be insured

Buildings insurance

About proposer(s) and the property to be insured

Property types

○ Commercial Property Insurance
○ Flats Insurance
○ Maisonettes Insurance

Occupancy types

○ Home & Annexe Insurance
○ Let Home Insurance
○ Unoccupied Home Insurance

Specific types

○ Home & Garden Room Insurance
○ Leaseholders Improvements Insurance
○ Single Flat Buildings Insurance

Enter details of the insurance proposer, with option to add a joint proposer(s)

Enter details about the property to be insured

Buildings insurance

About proposer(s) and the property to be insured

Property types

○ Commercial Property Insurance○ Flats Insurance○ Maisonettes Insurance

Occupancy types

○ Home & Annexe Insurance○ Let Home Insurance○ Unoccupied Home Insurance

Specific types

○ Home & Garden Room Insurance○ Leaseholders Improvements Insurance○ Single Flat Buildings Insurance

○ Commercial Property Insurance
○ Flats Insurance
○ Maisonettes Insurance

○ Home & Annexe Insurance
○ Let Home Insurance
○ Unoccupied Home Insurance

○ Home & Garden Room Insurance
○ Leaseholders Improvements Insurance
○ Single Flat Buildings Insurance