Unoccupied Property Owners Insurance

Suitable for both residential and commercial properties, our Property Owners facilities allow us to write unoccupied properties which have been vacant for up to 24 months. We are able to continue cover at the time the property becomes occupied or issue a pro-rata refund if it is sold.

MG Insurance are Property Owners specialists. Our unique facilities enable us to underwrite a variety of different properties, including private dwellings, flats, houses of multiple occupancy (HMOs), commercial lets and unoccupied premises. We are able to cover properties let to professionals, students or DSS tenants. For more information about our Property Owners product, call the office number on 0161 304 9933 and speak to one of the MG team today.

Unoccupied Property Insurance Features
Unoccupied Occupied
Fire, Lightning, Explosion & Aircraft (FLEA) Y Y
Subsidence * Y Y

*Subsidence cover for unoccupied properties granted at underwriters’ discretion. Wider cover is available subject to receipt of satisfactory information about the property by our underwriters.

With instant cover available online or over the phone, our Landlords policies can incorporate the following optional covers:

  • Up to £10,000,000 Property Owners Liability
  • Optional Legal Cover
Property Owners Insurance – Claims Information

At MG Insurance we have an experienced and proficient claims management team who are able to handle every aspect of a claim from start to finish; with a dedicated Claims Handler your claim will be handled personally and efficiently.

At MG Insurance we work with an elite panel of Insurers, and unlike other intermediaries, we have direct access to our designated loss adjusters; where necessary we will appoint them directly on notification of a new claim. Your dedicated Claims Handler will remain in touch with Adjusters and Insurers during the life of the claim, to ensure that everything is managed efficiently.

“I would like to compliment you on the Claims Handling Service that you provide. All our claims are dealt with efficiently and to our satisfaction… without delay”

Chris Jones – Reynolds Insurance Brokers