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Prestige Prism Unoccupied

At Prestige Underwriting, we are driven by our purpose to work in partnership with our brokers, delivering unique insurance solutions to support their customer requirements.

Prestige Prism Unoccupied has been developed as a complementary product to our core non-standard suite, providing our brokers with an unoccupied solution that will meet their non-standard needs.

Prestige Prism Unoccupied is a targeted product which caters for unoccupied properties, offering buildings and/or contents cover. We have designed our product with the customer in mind, therefore including the flexibility to incept cover for 90 days, 182 days or on an annual basis. There is also the ability to adjust the perils taken by offering FLEE only, excluding escape of water or full perils. Not only will we accept the more standard unoccupied risks, our product has been designed to cater for those more bespoke requirements.

The product is available on our bespoke Covernet portal as a quick quote option and allows direct access to our team of underwriters.

Prestige Prism Unoccupied specialises in the following areas:

  • Range of cover options (Full perils, Excluding EOW and FLEE only)
  • Inspection periods based on the level of cover taken
  • Unoccupied due to renovation works
  • Properties under probate
  • Long term unoccupancy
  • Contents only risks
  • Properties unoccupied pending sale
  • Unoccupied due to owner being in a nursing home
  • Unoccupied risks with other non standard factors
  • Property developers up to a maximum of 6 risks
  • Extended periods of unoccupancy