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Property Protection Commercial is an inexpensive insurance scheme specially designed to meet the needs of property owners who own commercial property that will be left unoccupied. The policy is underwritten at Lloyds.
If you own one of these properties, most insurers will refuse to provide you with cover, however in some cases you may find an insurer who will, but at what cost?
Vastly Increased Premiums?
Reduced Cover?
Stringent Policy Terms and Conditions?
At Property Protection Commercial we aim to provide the widest possible cover at the most competitive premium, even if other insurers cannot provide you with cover.
Not only will we provide you with cover if your commercial property is unoccupied, we will also provide cover, at no extra cost, if:
- • Your property is going to be refurbished.
- • The property is having, or will have, any renovation work.
- • There is living accommodation that is let, tenanted or owner occupied.
In fact, we will offer you cover whatever you wish to do with your property, and at a premium that suits you.
We also appreciate that your property may be unoccupied for a period of less than a year, so, unlike our competitors, we do allow a return premium if you wish to cancel the policy during the year.
But don't just take our word for it, take a look at what we offer in the Cover Provided section, or contact us, and we will be happy to provide you with a quotation tailored to your individual needs.
Cover Provided
Property Protection Commercial will provide the following cover on all policies unless specifically stated otherwise:
- • Fire, lightning, explosion, earthquake or smoke
- • Damage by aircraft
- • Storm, tempest or flood
- • Escape of water from, or frost damage to fixed water tanks, apparatus or pipes
- • Escape of oil from domestic fuel oil tanks, apparatus or pipes
- • Theft, attempted theft or hold up
- • Impact damage by vehicle, animal or train
- • Riots, strikes, civil commotion and malicious damage
- • Falling or collapse of radio and television aerials
- • Falling trees
- • Subsidence, Landslip or heave
- • Accidental damage to glass, sanitary ware and ceramic hobs
- • Accidental damage to underground services
In addition to the above perils, all our policies include the following:
- • 20% of the total sum insured for loss of rental and alternative accommodation
- • £1,000,000 property owners liability (when buildings insured)
- • 24 hour legal advice and domestic assistance
The normal policy excess is £250
Please note that cover stated above is a summary only, full details of the cover provided and any restrictions can be obtained from the full policy wording
Legal Advice and Domestic Assistance
As you are probably aware, seeking legal advice from a Solicitor can be very costly and time consuming. For some people this is an expense that cannot be met, and may result in their problems remaining unresolved.
We have joined forces with one of Europe’s largest legal expenses insurers to provide every one of our clients with free legal advice, when they take a policy with us.
This part of the policy has been designed to provide a vast range of legal advice, as and when required, 24 hours a day, seven days a week, on any personal legal problem, including: Motoring, Employment, Property, consumer, accident/injury, matrimonial, probate and financial/taxation.
Domestic Assistance
We also include in this cover a domestic assistance service which provides emergency assistance throughout the UK, in respect of a wide range of problems relating to: Plumbing, electricity, roofing repairs, lock repairs and replacement, glazing, heating systems, fallen trees, security services, building repairs, domestic appliances, fencing, pest control, TV aerials and satellite dishes.
The service has access to a wide panel of reputable contractors covering these and many more areas, and is also available 24 hours a day, seven days a week.
When your policy is issues you will be provided with a handy credit card sized policy containing all the information and the telephone number you require to access the service, so should you be unfortunate enough to required its use, the answer is only a phone call away.
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