Property empty for renovation or probate?
Unoccupied Property — How UK Insurance Changes
Most UK policies restrict cover after 30–60 days unoccupied. See what's left and how to keep full cover.
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The short answer
After 30–60 consecutive days unoccupied, UK home policies typically restrict cover to FLEA (fire, lightning, explosion, aircraft) only. You need a specialist unoccupied property policy for full perils and to comply with conditions like turning off the water.
Frequently asked
- Does emptying water solve it?
- Helps with frost claims but doesn't restore full cover — you still need the right policy.
Your policy is the only source of truth
Stop guessing. Check your actual policy.
Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.