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Watchman - Unoccupied Property Insurance

The policy you pay for when the house is sold

What sets Watchman apart?

The market-leading unoccupied probate property insurance for UK solicitors

Easy to set up, with same day cover usually available.

Initial deposit only.

Balance of premium is deferred for up to a year.

No cancellation fees.

No hidden charges.

Cost-effective cover.

Wide standard of cover.

Easy security and inspection criteria.

NO risk of ‘gaps’ in the cover period and you only pay for the days of cover you need.

Watchman Insurance is provided for up to one year at a time and apart from a small initial deposit, you can usually settle the insurance premium when the property is sold or transferred within the policy period.

The premium is ‘deferred’

Watchman lasts for up to a year at a time but you only pay for the exact number of days cover you need. A small deposit secures cover for a fixed daily rate that accumulates and is then settled when the property is sold/transferred up to a year later.

Most other policies:

  • Exclude cover for malicious damage, theft, subsidence/heave and escape of water.
  • Include complicated and often onerous security requirements and may require better replacement locks.
  • Have weekly inspections requirements.
  • Include cancellation fees and disproportionate cancellation scales usually apply.
  • May require you to use your own funds to pay the premium or enter a finance agreement.
  • Cover is often not available for property unoccupied due to client in care or subject to legal capacity.

However, with Watchman:

  • Cover* for malicious damage is usually included as standard, subject to post code. (*Excesses will apply)
  • Enjoy simple, hassle-free security requirements by using the existing locks and security systems, and removing keys from the premises.
  • Inspections occur every 30 days.
  • Only pay for days on cover, and no cancellation fee.
  • Deferred payment and daily price mean you only pay for exact days on cover, no premium finance means easy administration and no APR credit charges.
  • Cover is available for property unoccupied due to client in care or subject to legal capacity.
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Enquire Today

Get in touch with our helpful team for a free, no obligation quote and get started with Watchman.