Non-standard Occupancy Insurance

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Finding the right blend of cover and price for a property that is unoccupied or only occasionally occupied can be difficult. However, a specialist broker like Aston Lark can help you navigate the policies available and the complex terms that often apply.

In an effort to make buying insurance easier, some insurers make various assumptions about the occupancy of a home and rely on the customer to recognise when they might fall outside of these.  If a customer fails to recognise this, it could leave them without the cover they need in the event of a claim.

The main reasons for lower levels of occupancy are normally:

  • Second homes, including city pied-a-terre, town and country homes and holiday homes
  • Holiday homes which are let to others, including via AirBnb, Booking.com or similar
  • Part-let properties where the basement or annexe of your home is rented out
  • Empty homes or unoccupied homes
  • Each insurer will set their own time limit for defining when a property is unoccupied.  This could be as little as a week or up to 90 days.
  • Bed and breakfasts
  • Let properties that are in-between tenancies. Our let property division, Protect My Let, can help with insurance for standalone let properties or portfolios.

Occupancy, especially if you own multiple properties, isn’t always black and white, which is why you should talk to an expert who can find you a competitive quote and provide specialist insurance that will respond properly in the event of a claim.

Aston Lark don’t “do” call centres. You’ll have a direct contact to look after you by phone, email, Zoom, Facetime, or however you prefer to communicate. If you are unlucky enough to have a claim, we have a specialist claims team to help and guide, so that you’re not facing the insurer alone.

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