Unoccupied Property Insurance
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Frequently Asked Questions

Unoccupied Property Insurance

Policy Powerhouse

General

We can insure private and commercial property that becomes unoccupied for different reasons, including:

  • Unoccupied Property pending Probate
  • Unoccupied Property during Renovation
  • Unoccupied Property pending Sale
  • Unoccupied Property pending Let (between tenants)

There are many different types of cover available depending upon your requirements and how much you are happy to spend on your policy. The typical types of cover available include:

  • Fire, lightening, earthquake and explosion
  • Subsidence, heave and landslip
  • Theft and attempted theft
  • Escape of water and oil
  • Malicious damage
  • Riot and Impact
  • Storm damage
  • Flood damage

Cover is available for 3, 6 or 12 months.

Policy Powerhouse is an insurance broking business focused upon niche insurance sectors providing contingency and property insurance expertise.  The business operates as far as possible through its digital platform which is being created to provide exceptional customer engagement and seamless insurer reporting.  Policy Powerhouse Executives each have over 30 years specialist experience of the sector and the business is also supported by an Advisory Board who have extensive experience within related sectors such as Technology, Marketing, Advertising & Investor relations.  Policy Powerhouse Limited is authorised and regulated by the Financial Conduct Authority, FCA registration 946345 as an appointed representative of Innovative Risk Labs Ltd. Innovative Risk Labs Ltd is authorised and regulated by the FCA Registration 609155. You can check this by visiting Financial Services Register or by contacting the FCA on 0800 111 6768.
We work with a number of different insurers to ensure the best cover at the best price. Your quotation and policy documentation will clearly identify the insurer.
A copy of the Policy Wording, IPID, Statement of Fact and Schedule will be emailed to you. Copies are available upon request.

A quotation is valid for 30 days from the date of issue.

Changing my policy

For any other changes please contact Policy Powerhouse.

Claims

Please refer to your policy document which gives contact details for your insurers claims team.

Contacting us

Policy Powerhouse Limited The Granary Hermitage Court Hermitage Lane Maidstone Kent ME16 9NT

0333 772 7453

hello@policypowerhouse.co.uk

You can put cover in place at anytime on our website but if you have a problem or issue you need to discuss with a human, our phone lines and chat tools are available Monday – Friday 9am – 8pm

Fees

Policy Powerhouse may charge a fee to administer your policy. This fee is per policy and will be displayed on your quotation and policy Schedule; a policy can include a single or multiple properties. Policy Powerhouse can also charge a cancellation fee of £50 if you cancel your policy after 14 days. We do not charge a fee for any changes to your policy. Full details of our fees are available within our terms and conditions.

Payments

You may choose to pay annual premiums by credit/debit card or select to pay 10, equal monthly payments by Direct Debit (an APR applies) this service is offered by PremFina Limited.
Sorry we are not able to accept payment by cheque

Innovative Risk Labs Limited are our Regulatory principal and receive all premium payments. Their name will appear on your Bank/Credit Card statement

Please visit the PremFina portal and amend your details

Cancellation of my policy

Please contact Policy Powerhouse if you wish to cancel your policy. Some policies do not provide a refund of premium if cancelled (typically short period policies). You will be made aware of this at the time you take out the policy. For all other policies: 

  • If you cancel within 14 days of your policy starting, we will refund all premium paid.
  • If you cancel after 14 days of your policy starting we will refund any premium paid calculated on a pro rata basis for the unused period of your policy less a £50 cancellation fee.
  • A refund of premium is only available if a claim has not occurred on the policy. If a claim is notified, then no refund is available.

Complaints process

If you have any cause for complaint, please address these in the first instance to:

The Compliance Manager,
Policy Powerhouse Limited
The Granary
Hermitage Court
Hermitage Lane
Maidstone
Kent
ME16 9NT

Email: complaints@Policypowerhouse.co.uk

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